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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION6 years Service code 13 · EIN 35-1140070 | Contract Administrator | $155,274 |
CREATIVE PLANNING LLC3 years Filed as: CREATIVE PLANNING, LLC Service code 27 · EIN 84-4519624 | Advisory (Plan) | $63,200 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,503 | $89,123-34.4% | $102,460-42.9% | $77,762-24.8% |
| Participation rate | 61.6% | 80.9%-19.3pp | 76.5%-14.9pp | 70.6%-9.0pp |
| Annual return | 17.92% | 25.05%-7.1pp | 29.47%-11.6pp | 31.27%-13.3pp |
| Employer contribution / active EE | $1,973 | $2,700-26.9% | $3,025-34.8% | $2,728-27.7% |
| Participant deferral / active EE | $4,411 | $5,148-14.3% | $5,056-12.8% | $4,651-5.2% |
| Admin fee / account holder | $320 | $236+35.6% | $9,460-96.6% | $433-26.1% |