1 critical issueTerminating
Snow, Christensen, & Martineau
87-0298631· Salt Lake City, UT· PCS Retirement· 2024 filing· vs 10,318 plans your size in your industry
D
0/100
Overall grade
Below average. Several areas need attention.
D
Fees
estimated
–
Financial Wellness
D
Plan design
D
Compliance
Fees
Estimated · fees not public
We estimate 110 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.
cheaper83th percentilepricier
Financial Wellness
Plan design
The employer contributes through profit sharing rather than a standard match.
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.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Safe harbor
Guaranteed employer contributions exempt the plan from annual IRS testing, so owners and higher earners can contribute the full limit.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
Brokerage window
Employees can invest beyond the core fund menu through a self-directed brokerage account.
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
1 critical issue on the latest filing. These need attention.
Plan filing final return, in-market for rollover/replacement
Flagged on the latest filing. Worth a closer look with your provider.
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The plan's required insurance bond looks smaller than the 10% of assets the law requires. Easy to fix, but a clear gap until it is.
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PCS Retirement
No provider notes available.
Key insights
- Strongest area: compliance & health. 1 critical issue on the latest filing. These need attention.
- Best place to improve: fees. We estimate 110 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.
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