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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 24 E COTA STREET · SANTA BARBARA, CA 93101 | Advisory (Plan) | $8,270 |
ASCENSUS LLC1 year Service code 33 · EIN 11-3665754 | Participant loan processing; Securiti... | $6,838 |
UNITED OF OMAHA9 years Service code 37 · EIN 47-0322111 | Loan Processing | $3,275 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $34,912 | $82,979-57.9% | $102,412-65.9% | $77,736-55.1% |
| Participation rate | 22.8% | 71.5%-48.7pp | 74.5%-51.7pp | 70.6%-47.8pp |
| Annual return | 12.91% | 19.11%-6.2pp | 24.94%-12.0pp | 31.26%-18.4pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $3,870-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,346 | $4,109-67.3% | $5,060-73.4% | $4,651-71.1% |
| Admin fee / account holder | $156 | $639-75.6% | $8,388-98.1% | $433-64.1% |