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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $44,132 |
Filed as: CBIZ OPERATIONS INC DBA CBIZ MHM LL Service code 10 1065 AVENUE OF AMERICAS · NEW YORK, NY 10018 | Accounting | $17,078 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $12,946 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,240 |
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).
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 | $172,163 | $114,712+50.1% | $173,730-0.9% | $87,485+96.8% |
| Participation rate | 90.3% | 73.0%+17.3pp | 79.6%+10.8pp | 68.9%+21.4pp |
| Annual return | 5.14% | 20.18%-15.0pp | 19.96%-14.8pp | 26.06%-20.9pp |
| Employer contribution / active EE | $3,783 | $2,904+30.3% | $4,577-17.4% | $2,596+45.7% |
| Participant deferral / active EE | $7,812 | $4,642+68.3% | $6,326+23.5% | $4,274+82.8% |
| Admin fee / account holder | $623 | $10,210-93.9% | $17,523-96.4% | $7,775-92.0% |