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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $3,099 |
Filed as: COTA STREET INVESTMENT MANAGEMENT Service code 28 24 E. COTA STREET · SANTA BARBARA, CA 93101 | Investment Management | $2 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
Annual investment return 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.
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 | $15,085 | $58,320-74.1% | $86,438-82.5% | $66,938-77.5% |
| Participation rate | 95.9% | 78.6%+17.3pp | 80.3%+15.6pp | 69.8%+26.1pp |
| Annual return | -18.22% | -9.71%-8.5pp | 4397.19%-4415.4pp | 1.58%-19.8pp |
| Employer contribution / active EE | $2,047 | $2,615-21.7% | $3,769-45.7% | $2,545-19.6% |
| Participant deferral / active EE | $8,209 | $6,899+19.0% | $6,952+18.1% | $4,238+93.7% |
| Admin fee / account holder | $31 | $546-94.2% | $6,733-99.5% | $594-94.7% |