Filed April 30, 2009 (most recent of 3 filings on file)
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION8+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $295,193 |
MORGAN STANLEY SMITH BARNEY8+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $131,226 |
BAKER NEWMAN NOYES6 years Filed as: BAKER, NEWMAN & NOYES LLC Service code 10 · EIN 01-0494526 | Accounting | $23,225 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $103,579 | $45,000+130.2% | $143,801-28.0% | $77,906+33.0% |
| Participation rate | 42.6% | 66.8%-24.2pp | 80.3%-37.7pp | 73.7%-31.1pp |
| Annual return | -17.03% | 29.03%-46.1pp | -0.04%-17.0pp | 12.16%-29.2pp |
| Employer contribution / active EE | $400 | $1,870-78.6% | $4,952-91.9% | $2,846-86.0% |
| Participant deferral / active EE | $4,146 | $3,157+31.3% | $5,639-26.5% | $4,805-13.7% |
| Admin fee / account holder | $319 | $98+224.2% | $14,680-97.8% | $133+140.7% |