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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 24 E COTA STREET, STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $14,594 |
THE VANGUARD GROUP, INC.2 years Service code 15 · EIN 23-1945930 | Recordkeeping | $11,342 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,281 | $56,438-71.2% | $76,872-78.8% | $71,511-77.2% |
| Participation rate | 73.2% | 64.3%+8.9pp | 69.6%+3.6pp | 67.9%+5.3pp |
| Annual return | 21.49% | 19.05%+2.4pp | 37.90%-16.4pp | 28.86%-7.4pp |
| Employer contribution / active EE | $2,180 | $1,864+17.0% | $2,533-13.9% | $2,589-15.8% |
| Participant deferral / active EE | $2,760 | $3,136-12.0% | $3,832-28.0% | $4,291-35.7% |
| Admin fee / account holder | $110 | $1,430-92.3% | $5,476-98.0% | $1,588-93.1% |