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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION8+ years Service code 13 · EIN 35-0472300 | Contract Administrator | $62,338 |
ERISA SPECIALIST1 year Service code 15 · EIN 47-3852281 | Recordkeeping | $9,903 |
STEVENS DOWD & COMPANY3 years Filed as: STEVENS DOWD & COMPANY DBA BENEFIT Service code 15 · EIN 47-3852281 | Recordkeeping | $6,093 |
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 | $55,614 | $65,125-14.6% | $143,797-61.3% | $66,949-16.9% |
| Participation rate | 100.0% | 65.2%+34.8pp | 80.3%+19.7pp | 69.8%+30.2pp |
| Annual return | -17.22% | -11.13%-6.1pp | -0.04%-17.2pp | 1.57%-18.8pp |
| Employer contribution / active EE | $4,052 | $2,362+71.5% | $4,952-18.2% | $2,545+59.2% |
| Participant deferral / active EE | $3,021 | $2,920+3.5% | $5,638-46.4% | $4,239-28.7% |
| Admin fee / account holder | $311 | $503-38.2% | $14,679-97.9% | $594-47.7% |