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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION3 years Filed as: LINCOLN INVESTMENT PLANNING INC Service code 27 · EIN 23-1702591 | Advisory (Plan) | $52,300 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $43,559 |
BOIVIN & ASSOCIATES1 year Service code 10 · EIN 27-1516157 | Accounting | $5,000 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,665 | $66,601+13.6% | $92,903-18.6% | $67,579+12.0% |
| Participation rate | 58.1% | 72.5%-14.4pp | 76.0%-17.9pp | 71.3%-13.2pp |
| Annual return | 6.25% | 92.58%-86.3pp | 109.43%-103.2pp | 378.56%-372.3pp |
| Employer contribution / active EE | $840 | $2,775-69.7% | $3,653-77.0% | $2,148-60.9% |
| Participant deferral / active EE | $2,842 | $3,157-10.0% | $4,238-32.9% | $3,539-19.7% |
| Admin fee / account holder | $334 | $199+67.9% | $5,795-94.2% | $142+134.7% |