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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4 years Service code 13 · EIN 35-1140070 | Contract Administrator | $41,304 |
PASI, LLC2 years Service code 15 10 TALCOTT NOTCH RD · FARMINGTON, CT 06032 | Recordkeeping | $7,375 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $53,916 | $111,608-51.7% | $177,848-69.7% | $73,412-26.6% |
| Participation rate | 31.8% | 87.9%-56.1pp | 87.7%-55.9pp | 72.2%-40.4pp |
| Annual return | 25.52% | 18.23%+7.3pp | 48.33%-22.8pp | 59.30%-33.8pp |
| Employer contribution / active EE | $279 | $3,796-92.7% | $5,919-95.3% | $2,234-87.5% |
| Participant deferral / active EE | $3,710 | $6,199-40.2% | $7,714-51.9% | $3,806-2.5% |
| Admin fee / account holder | $339 | $166+104.6% | $12,431-97.3% | $158+114.5% |