Filed February 5, 2018
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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Filed as: LINCOLN NATIONAL LIFE INSURANCE CO. Service code 18 · EIN 35-0472300 | Recordkeeping fees; Account maintenan... | $19,867 |
STADION MONEY MANAGEMENT1+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $8,321 |
BENEFIT CONSULTANTS GROUP1+ years Service code 13 · EIN 23-2183285 | Contract Administrator | $2,040 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,256 | $46,360-64.9% | $147,617-89.0% | $52,331-68.9% |
| Participation rate | 100.0% | 64.9%+35.1pp | 84.6%+15.4pp | 68.1%+31.9pp |
| Annual return | -3.22% | 1.62%-4.8pp | 61.98%-65.2pp | 4.54%-7.8pp |
| Employer contribution / active EE | $970 | $2,126-54.4% | $5,565-82.6% | $1,882-48.5% |
| Participant deferral / active EE | $2,087 | $2,258-7.6% | $4,895-57.4% | $3,022-31.0% |
| Admin fee / account holder | $175 | $766-77.2% | $11,611-98.5% | $592-70.5% |