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| Provider | Service type | Compensation |
|---|---|---|
PENSYS, INC.1 year Filed as: PENSYS INC Service code 13 2440 PROFESSIONAL DR. STE 100 · ROSEVILLE, CA 95682 | Contract Administrator | $5,471 |
Filed as: CAPITAL REGION FINANCIAL GROUP Service code 26 · EIN 62-0456235 620 COOLIDGE DR., SUITE 180 · FOLSOM, CA 95630 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,605 | $52,467-72.2% | $57,196-74.5% | $55,167-73.5% |
| Participation rate | 46.2% | 75.8%-29.7pp | 75.3%-29.2pp | 69.0%-22.8pp |
| Annual return | 7.01% | 7.72%-0.7pp | 14.59%-7.6pp | 169.23%-162.2pp |
| Employer contribution / active EE | $359 | $2,477-85.5% | $2,683-86.6% | $1,963-81.7% |
| Participant deferral / active EE | $1,885 | $2,830-33.4% | $3,096-39.1% | $3,054-38.3% |
| Admin fee / account holder | $145 | $269-46.2% | $3,141-95.4% | $504-71.3% |