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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION7+ years Service code 13 · EIN 35-0472300 | Contract Administrator | $67,737 |
STEVENS DOWD & COMPANY2 years Filed as: STEVENS DOWD & COMPANY DBA BENEFIT Service code 15 · EIN 81-4671785 | Recordkeeping | $15,945 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,622 | $61,166+12.2% | $185,849-63.1% | $79,391-13.6% |
| Participation rate | 100.0% | 66.6%+33.4pp | 81.7%+18.3pp | 70.7%+29.3pp |
| Annual return | 13.17% | 19.45%-6.3pp | 122.10%-108.9pp | 116.88%-103.7pp |
| Employer contribution / active EE | $3,835 | $2,321+65.2% | $5,169-25.8% | $2,428+58.0% |
| Participant deferral / active EE | $2,844 | $2,789+2.0% | $5,569-48.9% | $4,046-29.7% |
| Admin fee / account holder | $357 | $710-49.7% | $16,244-97.8% | $627-43.0% |