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Basic Capital
Clean filingNew plan

John a Kruse

45-2487813· Murrieta, CA· Pentegra (3(16))· 2025 filing· vs 6,938 plans your size in your industry
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

A
Fees
estimated
F
Financial Wellness
D
Plan design
A
Compliance
Fees
Estimated · fees not public

We estimate 14 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.

A
cheaper0th percentilepricier
Financial Wellness

Below-average savings. That's less than 100% of similar plans.

F
lower0th percentilehigher
Plan design

The employer contributes through profit sharing rather than a standard match.

D
Employer contributes via profit sharing
No standard match, but the employer puts money in through profit sharing. Often a flat percentage to everyone, which works like a match for employees.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Not safe harbor
The plan has to pass annual IRS nondiscrimination testing, which can cap what owners and higher earners are allowed to contribute.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
No Mega Backdoor Roth
High earners are capped at the standard contribution limit. A Mega Backdoor Roth lets them save well past it with after-tax dollars converted to Roth, and it's one of the most-requested features at competitive companies.
Compliance & health

Clean filing. No compliance issues found.

A
Clean filing
Deposits on time, testing passed, no red flags. The latest filing came back clean.
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Recordkeeper
Pentegra (3(16))

No provider notes available.

Key insights

  • Strongest area: fees. We estimate 14 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.
  • Best place to improve: financial wellness. Below-average savings. That's less than 100% of similar plans.
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