Filed January 28, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,590 | $86,938+58.3% | $102,423+34.3% | $80,925+70.0% |
| Participation rate | 56.9% | 72.4%-15.4pp | 76.5%-19.6pp | 67.7%-10.7pp |
| Annual return | 11.70% | 18.89%-7.2pp | 29.42%-17.7pp | 35.65%-23.9pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,164 | $4,120+25.3% | $5,054+2.2% | $4,299+20.1% |
| Admin fee / account holder | $23,028 | $8,053+186.0% | $9,455+143.6% | $6,940+231.8% |