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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION5 years Service code 13 · EIN 35-1140070 | Contract Administrator | $64,134 |
PASI, LLC3 years Service code 15 10 TALCOTT NOTCH RD · FARMINGTON, CT 06032 | Recordkeeping | $8,826 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $60,608 | $111,491-45.6% | $189,545-68.0% | $86,821-30.2% |
| Participation rate | 36.5% | 87.3%-50.8pp | 87.8%-51.3pp | 72.3%-35.8pp |
| Annual return | 24.48% | 83.50%-59.0pp | 555.36%-530.9pp | 97.94%-73.5pp |
| Employer contribution / active EE | $445 | $3,951-88.7% | $6,162-92.8% | $2,406-81.5% |
| Participant deferral / active EE | $4,718 | $6,437-26.7% | $8,220-42.6% | $4,132+14.2% |
| Admin fee / account holder | $394 | $189+109.0% | $12,049-96.7% | $170+132.6% |