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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4+ years Service code 13 · EIN 35-0472300 | Contract Administrator | $57,002 |
URPC2 years Filed as: URPC UNITED RETIREMENT Service code 15 · EIN 25-1759623 | Recordkeeping | $10,120 |
401K SAFE2 years Service code 15 · EIN 30-0753428 | Recordkeeping | $1,969 |
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.
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).
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 | $60,576 | $73,102-17.1% | $123,553-51.0% | $56,289+7.6% |
| Participation rate | 81.1% | 74.3%+6.8pp | 82.3%-1.2pp | 69.9%+11.2pp |
| Annual return | -7.96% | 3.01%-11.0pp | 119.21%-127.2pp | -9.96%+2.0pp |
| Employer contribution / active EE | $534 | $2,977-82.1% | $4,628-88.5% | $2,111-74.7% |
| Participant deferral / active EE | $4,307 | $5,423-20.6% | $6,426-33.0% | $3,350+28.6% |
| Admin fee / account holder | $378 | $554-31.7% | $9,284-95.9% | $521-27.4% |