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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COTA STREET INVESTMENT MANAGEMENT Service code 28 24 E. COTA STREET · SANTA BARBARA, CA 93101 | Investment Management | $29,686 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $21,662 |
LARSON FINANCIAL GROUP LLC3 years Filed as: LARSON ALLEN LLP Service code 99 P.O. BOX 829709 · PHILADELPHIA, PA 19182 | Other Fees | $11,130 |
Service code 27 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $6,531 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $113,712 | $81,504+39.5% | $102,437+11.0% | $80,959+40.5% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 8.37% | 25.60%-17.2pp | 24.95%-16.6pp | 35.67%-27.3pp |
| Employer contribution / active EE | $13,684 | $3,104+340.9% | $3,871+253.5% | $2,757+396.3% |
| Participant deferral / active EE | $6,831 | $3,871+76.5% | $5,060+35.0% | $4,300+58.9% |
| Admin fee / account holder | $651 | $6,719-90.3% | $8,388-92.2% | $6,925-90.6% |