Filed June 13, 2025
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| Provider | Service type | Compensation |
|---|---|---|
REGENCY INVESTMENT ADVISORS3 years Service code 26 · EIN 77-0344391 1312 W HERNDON, SUITE 101 · FRESNO, CA 93711 | Advisory (Participants) | $12,004 |
Service code 13 · EIN 87-0364490 7090 SOUTH UNION PARK AVE SUITE 650 · SALT LAKE CITY, UT 84106 | Contract Administrator | $1,220 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,001 | $44,221-72.9% | $121,220-90.1% | $56,289-78.7% |
| Participation rate | 67.0% | 61.1%+5.9pp | 71.8%-4.8pp | 69.9%-2.9pp |
| Annual return | -7.57% | -3.58%-4.0pp | 16.94%-24.5pp | -9.96%+2.4pp |
| Employer contribution / active EE | $679 | $1,480-54.1% | $4,023-83.1% | $2,111-67.8% |
| Participant deferral / active EE | $1,141 | $2,521-54.8% | $3,345-65.9% | $3,350-65.9% |
| Admin fee / account holder | $66 | $480-86.2% | $5,021-98.7% | $521-87.3% |