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| Provider | Service type | Compensation |
|---|---|---|
PENSYS, INC.1 year Service code 13 · EIN 68-0348235 2440 PROFESSIONAL DR. STE 100 · ROSEVILLE, CA 95661 | Contract Administrator | $13,586 |
Filed as: CAPITAL REGION FINANCIAL GROUP Service code 26 · EIN 62-0456235 620 COOLIDGE DR., SUITE 180 · FOLSOM, CA 95630 | Advisory (Participants) | $12,074 |
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.
Annual investment return 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $21,230 | $55,002-61.4% | $59,887-64.6% | $56,287-62.3% |
| Participation rate | 42.4% | 75.9%-33.5pp | 74.7%-32.3pp | 69.9%-27.4pp |
| Annual return | -6.56% | 1.13%-7.7pp | 3.46%-10.0pp | -9.96%+3.4pp |
| Employer contribution / active EE | $470 | $2,448-80.8% | $2,722-82.7% | $2,111-77.7% |
| Participant deferral / active EE | $2,446 | $3,121-21.6% | $3,402-28.1% | $3,350-27.0% |
| Admin fee / account holder | $207 | $236-12.2% | $3,591-94.2% | $521-60.3% |