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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION6 years Service code 13 · EIN 35-1140070 | Contract Administrator | $69,996 |
PASI, LLC4 years Service code 15 10 TALCOTT NOTCH RD · FARMINGTON, CT 06032 | Recordkeeping | $7,609 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $54,733 | $86,897-37.0% | $151,645-63.9% | $64,824-15.6% |
| Participation rate | 37.9% | 87.3%-49.4pp | 87.5%-49.6pp | 71.5%-33.6pp |
| Annual return | -20.69% | -3.57%-17.1pp | 3.34%-24.0pp | 32.84%-53.5pp |
| Employer contribution / active EE | $759 | $4,010-81.1% | $6,165-87.7% | $2,507-69.7% |
| Participant deferral / active EE | $4,341 | $6,690-35.1% | $8,363-48.1% | $4,311+0.7% |
| Admin fee / account holder | $411 | $153+168.5% | $11,614-96.5% | $188+118.6% |