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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $11,310 |
STADION MONEY MANAGEMENT1+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $7,077 |
Filed as: PINNACLE FINANCIAL SERVICES CORP Service code 15 · EIN 59-2438373 | Recordkeeping | $4,523 |
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.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $12,771 | $46,360-72.5% | $147,617-91.3% | $52,331-75.6% |
| Participation rate | 56.1% | 64.9%-8.9pp | 84.6%-28.5pp | 68.1%-12.0pp |
| Annual return | -5.13% | 1.62%-6.7pp | 61.98%-67.1pp | 4.54%-9.7pp |
| Employer contribution / active EE | $169 | $2,126-92.1% | $5,564-97.0% | $1,882-91.0% |
| Participant deferral / active EE | $965 | $2,258-57.3% | $4,895-80.3% | $3,022-68.1% |
| Admin fee / account holder | $244 | $766-68.1% | $11,612-97.9% | $592-58.7% |