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| Provider | Service type | Compensation |
|---|---|---|
MONTECITO BANK & TRUST2+ years Service code 51 · EIN 95-2900153 | Investment Mgmt Fees | $4,493 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $38,092 | $63,924-40.4% | $108,582-64.9% | $55,167-31.0% |
| Participation rate | 96.1% | 74.3%+21.8pp | 79.6%+16.5pp | 69.0%+27.1pp |
| Annual return | -7.71% | 15.31%-23.0pp | -51.70%+44.0pp | 169.23%-176.9pp |
| Employer contribution / active EE | $0 | $1,879-100.0% | $3,758-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $0 | $3,067-100.0% | $4,311-100.0% | $3,054-100.0% |
| Admin fee / account holder | $20 | $618-96.8% | $7,645-99.7% | $504-96.1% |