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| Provider | Service type | Compensation |
|---|---|---|
PCS RETIREMENT, LLC1 year Filed as: PCS RETIREMENT LLC Service code 12 · EIN 23-3038464 | Recordkeeping and information managem... | $27,831 |
BALDWIN & BALDWIN PLLC1 year Filed as: THE BALDWIN GROUP WEALTH ADVISORS, Service code 27 4211 W BOY SCOUT BLVD STE 800 · TAMPA, FL 33607 | Advisory (Plan) | $24,911 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,958 | $64,640-30.4% | $81,820-45.1% | - |
| Participation rate | 76.8% | 64.3%+12.5pp | 72.4%+4.4pp | - |
| Annual return | 12.51% | 13.47%-1.0pp | 777.93%-765.4pp | - |
| Employer contribution / active EE | $2,897 | $3,040-4.7% | $2,915-0.6% | - |
| Participant deferral / active EE | $2,910 | $3,288-11.5% | $4,323-32.7% | - |
| Admin fee / account holder | $412 | $2,218-81.4% | $7,391-94.4% | - |