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| Provider | Service type | Compensation |
|---|---|---|
PCS RETIREMENT, LLC2 years Filed as: PCS RETIREMENT LLC Service code 12 · EIN 23-3038464 | Consulting (general); Participant loa... | $29,366 |
Employer contribution per participant 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,949 | $92,076-88.1% | $105,607-89.6% | $77,736-85.9% |
| Participation rate | 86.3% | 81.0%+5.2pp | 75.3%+11.0pp | 70.6%+15.7pp |
| Annual return | 19.39% | 17.84%+1.6pp | 116.11%-96.7pp | 31.26%-11.9pp |
| Employer contribution / active EE | $0 | $3,370-100.0% | $3,167-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $3,766 | $5,390-30.1% | $5,011-24.9% | $4,651-19.0% |
| Admin fee / account holder | $71 | $219-67.6% | $10,958-99.4% | $433-83.6% |