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Basic Capital
Clean filing

El Montecito Presbyterian Chur

95-2281443· Santa Barbara, CA· 2025 filing· vs 881 plans your size in your industry
D
0/100
Overall grade

Below average. Several areas need attention.

C
Fees
estimated
F
Financial Wellness
F
Plan design
A
Compliance
Fees
Estimated · fees not public

We estimate 110 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.

C
cheaper50th percentilepricier
Financial Wellness

Below-average savings. Employees put away $100/employee a year. That's less than 95% of similar plans.

F
lower5th percentilehigher
Plan design

The employer contributes through profit sharing rather than a standard match.

F
Employer contributes via profit sharing
No standard match, but the employer puts money in through profit sharing. Often a flat percentage to everyone, which works like a match for employees.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Not safe harbor
The plan has to pass annual IRS nondiscrimination testing, which can cap what owners and higher earners are allowed to contribute.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
No Mega Backdoor Roth
High earners are capped at the standard contribution limit. A Mega Backdoor Roth lets them save well past it with after-tax dollars converted to Roth, and it's one of the most-requested features at competitive companies.
Compliance & health

Clean filing. No compliance issues found.

A
Clean filing
Deposits on time, testing passed, no red flags. The latest filing came back clean.
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Key insights

  • Strongest area: compliance & health. Clean filing. No compliance issues found.
  • Best place to improve: plan design. The employer contributes through profit sharing rather than a standard match.
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