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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 24 E COTA STREET · SANTA BARBARA, CA 93101 | Advisory (Plan) | $17,856 |
Service code 37 · EIN 04-2647786 | Loan Processing | $9,338 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,054 | $60,165-18.5% | $74,184-33.9% | $55,167-11.1% |
| Participation rate | 62.2% | 74.2%-11.9pp | 76.6%-14.4pp | 69.0%-6.8pp |
| Annual return | 10.62% | 10.00%+0.6pp | 17.74%-7.1pp | 169.23%-158.6pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $8,432 | $2,973+183.7% | $3,550+137.5% | $3,054+176.1% |
| Admin fee / account holder | $227 | $419-46.0% | $5,586-95.9% | $504-55.0% |