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| Provider | Service type | Compensation |
|---|---|---|
PCS RETIREMENT, LLC1 year Filed as: PCS RETIREMENT LLC Service code 13 · EIN 23-3038464 | Contract Administrator | $19,201 |
Service code 28 · EIN 52-1480475 3 BETHESDA METRO CTR · BETHESDA, MD 20814 | Investment Management | $11,515 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $50,981 | $25,979+96.2% | $71,778-29.0% | $68,490-25.6% |
| Participation rate | 47.8% | 54.5%-6.7pp | 62.3%-14.6pp | 67.9%-20.1pp |
| Annual return | -16.54% | -15.10%-1.4pp | 9.15%-25.7pp | -7.85%-8.7pp |
| Employer contribution / active EE | $0 | $900-100.0% | $1,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,721 | $1,522+13.1% | $2,656-35.2% | $4,028-57.3% |
| Admin fee / account holder | $591 | $2,022-70.8% | $3,974-85.1% | $5,403-89.1% |