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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $31,962 |
Service code 27 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $27,085 |
Filed as: COTA STREET INVESTMENT MANAGEMENT Service code 28 24 E. COTA STREET · SANTA BARBARA, CA 93101 | Investment Management | $2,039 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $34,633 | $92,076-62.4% | $105,607-67.2% | $77,736-55.4% |
| Participation rate | 30.8% | 81.0%-50.2pp | 75.3%-44.4pp | 70.6%-39.8pp |
| Annual return | 14.84% | 17.84%-3.0pp | 116.11%-101.3pp | 31.26%-16.4pp |
| Employer contribution / active EE | $1,013 | $3,370-69.9% | $3,167-68.0% | $2,728-62.9% |
| Participant deferral / active EE | $1,658 | $5,390-69.2% | $5,011-66.9% | $4,651-64.3% |
| Admin fee / account holder | $245 | $219+12.0% | $10,958-97.8% | $433-43.4% |