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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $9,506 |
Filed as: SCHUMACHER FINANCIAL SERVICES, INC Service code 15 · EIN 43-0743199 | Recordkeeping | $400 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $6,667 | $56,640-88.2% | $80,977-91.8% | $57,658-88.4% |
| Participation rate | 40.4% | 75.9%-35.5pp | 75.8%-35.4pp | 70.2%-29.8pp |
| Annual return | 7.27% | 19.97%-12.7pp | 17.11%-9.8pp | 5.13%+2.1pp |
| Employer contribution / active EE | $460 | $2,085-77.9% | $3,715-87.6% | $1,974-76.7% |
| Participant deferral / active EE | $628 | $4,944-87.3% | $5,696-89.0% | $3,061-79.5% |
| Admin fee / account holder | $58 | $87-33.5% | $5,517-98.9% | $95-38.7% |