Filed June 13, 2025
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| Provider | Service type | Compensation |
|---|---|---|
REGENCY INVESTMENT ADVISORS9 years Service code 26 · EIN 77-0344391 | Advisory (Participants) | $27,756 |
PCS RETIREMENT, LLC2 years Service code 12 · EIN 23-3038464 | Claims processing; Recordkeeping fees... | $6,804 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,811 | $58,969-76.6% | $129,406-89.3% | $77,762-82.2% |
| Participation rate | 94.9% | 59.5%+35.4pp | 69.6%+25.3pp | 70.6%+24.3pp |
| Annual return | 18.22% | 24.78%-6.6pp | 9468.18%-9450.0pp | 31.27%-13.0pp |
| Employer contribution / active EE | $1,094 | $1,959-44.1% | $4,155-73.7% | $2,728-59.9% |
| Participant deferral / active EE | $1,990 | $3,224-38.3% | $4,167-52.3% | $4,651-57.2% |
| Admin fee / account holder | $78 | $593-86.8% | $7,689-99.0% | $433-82.0% |