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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $113,584 | $71,873+58.0% | $86,698+31.0% | $68,490+65.8% |
| Participation rate | 64.2% | 72.2%-8.1pp | 76.6%-12.4pp | 67.9%-3.7pp |
| Annual return | -18.85% | 3.54%-22.4pp | 35.96%-54.8pp | -7.85%-11.0pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,966 | $3,779+57.9% | $4,656+28.1% | $4,028+48.1% |
| Admin fee / account holder | $6,934 | $6,110+13.5% | $7,492-7.4% | $5,403+28.3% |