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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 61-1758632 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $31,260 |
Filed as: EMPOWER ANNUTIY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $22,402 |
Filed as: POLLARO & ASSOCIATES Service code 10 · EIN 46-3852095 4010 WATSON PLAZA DR UNIT 110 · LAKEWOOD, CA 90712 | Accounting | $14,700 |
Filed as: COTA STREET INVESTMENT MANAGEMENT Service code 13 24 E. COTA STREET, STE 200 · SANTA BARBARA, CA 93101 | Contract Administrator | $11,408 |
ASCENSUS LLC2 years Filed as: ASCENSUS HOLDINGS INC DBA Service code 13 FUTUREPLAN BY ASCENSUS · SAN DIEGO CA, CA 92101 | Contract Administrator | $5,577 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $43,729 | $106,236-58.8% | $112,249-61.0% | $64,819-32.5% |
| Participation rate | 45.1% | 71.7%-26.5pp | 75.1%-29.9pp | 71.5%-26.3pp |
| Annual return | -12.18% | -6.02%-6.2pp | 27.48%-39.7pp | 32.84%-45.0pp |
| Employer contribution / active EE | $577 | $3,166-81.8% | $3,636-84.1% | $2,507-77.0% |
| Participant deferral / active EE | $2,849 | $3,785-24.7% | $4,729-39.7% | $4,311-33.9% |
| Admin fee / account holder | $451 | $452-0.2% | $6,412-93.0% | $188+139.9% |