Filed June 13, 2025
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| Provider | Service type | Compensation |
|---|---|---|
REGENCY INVESTMENT ADVISORS8 years Service code 26 · EIN 77-0344391 1312 W. HERNDON, SUITE 101 · FRESNO, CA 93711 | Advisory (Participants) | $21,095 |
PCS RETIREMENT, LLC1 year Service code 13 · EIN 23-3038464 | Contract Administrator | $9,234 |
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 | $12,838 | $53,344-75.9% | $121,204-89.4% | $74,460-82.8% |
| Participation rate | 94.1% | 60.0%+34.1pp | 69.5%+24.6pp | 70.7%+23.3pp |
| Annual return | 18.02% | 35.15%-17.1pp | 987.18%-969.2pp | 34.38%-16.4pp |
| Employer contribution / active EE | $790 | $1,898-58.4% | $4,170-81.1% | $2,638-70.0% |
| Participant deferral / active EE | $1,513 | $3,220-53.0% | $4,083-63.0% | $4,530-66.6% |
| Admin fee / account holder | $81 | $382-78.8% | $5,651-98.6% | $348-76.7% |