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| Provider | Service type | Compensation |
|---|---|---|
MONTECITO BANK & TRUST1+ years Service code 51 · EIN 95-2900153 | Investment Mgmt Fees | $9,449 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,255 | $57,108-15.5% | $94,224-48.8% | $52,331-7.8% |
| Participation rate | 95.8% | 72.9%+22.9pp | 78.8%+17.0pp | 68.1%+27.7pp |
| Annual return | -9.80% | 1.47%-11.3pp | 10.68%-20.5pp | 4.54%-14.3pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $3,587-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $0 | $3,040-100.0% | $4,320-100.0% | $3,022-100.0% |
| Admin fee / account holder | $38 | $546-93.0% | $6,269-99.4% | $592-93.5% |