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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 800 WESTCHESTER AVENUE · RYE BROOK, NY 10573 | Advisory (Participants) | $45,453 |
PCS RETIREMENT, LLC2 years Service code 12 · EIN 23-3038464 | Recordkeeping fees; Participant loan ... | $25,234 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,072 | $130,294-28.6% | $170,043-45.3% | $71,511+30.2% |
| Participation rate | 72.0% | 86.2%-14.2pp | 87.0%-15.1pp | 67.9%+4.0pp |
| Annual return | 19.48% | 20.36%-0.9pp | 53.40%-33.9pp | 28.86%-9.4pp |
| Employer contribution / active EE | $472 | $4,385-89.2% | $6,790-93.1% | $2,589-81.8% |
| Participant deferral / active EE | $3,980 | $6,928-42.5% | $10,410-61.8% | $4,291-7.2% |
| Admin fee / account holder | $498 | $966-48.5% | $12,824-96.1% | $1,588-68.7% |