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| Provider | Service type | Compensation |
|---|---|---|
PCS RETIREMENT, LLC3 years Service code 12 · EIN 23-3038464 | Participant communication; Consulting... | $30,111 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,375 | $91,692-76.7% | $67,561-68.4% | $77,714-72.5% |
| Participation rate | 53.7% | 76.0%-22.4pp | 72.9%-19.2pp | 70.6%-16.9pp |
| Annual return | 20.31% | 14.88%+5.4pp | 3525.44%-3505.1pp | 31.26%-10.9pp |
| Employer contribution / active EE | $753 | $3,188-76.4% | $2,735-72.5% | $2,727-72.4% |
| Participant deferral / active EE | $1,763 | $3,912-54.9% | $4,003-56.0% | $4,649-62.1% |
| Admin fee / account holder | $162 | $245-33.8% | $4,006-96.0% | $433-62.6% |