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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $889 |
Filed as: RETIREWELL ADMINISTRATORS LLC Service code 15 · EIN 81-3429076 1002 LINCOLN DRIVE WEST · MARLTON, NJ 08053 | Recordkeeping | $770 |
Filed as: LINCOLN NATIONAL CORP Service code 13 · EIN 35-1140070 | Contract Administrator | $120 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $56,042 | $84,236-33.5% | $170,435-67.1% | $70,126-20.1% |
| Participation rate | 79.5% | 70.8%+8.7pp | 83.6%-4.1pp | 69.5%+10.0pp |
| Annual return | 15.35% | 23.06%-7.7pp | 205.94%-190.6pp | 73.15%-57.8pp |
| Employer contribution / active EE | $285 | $3,387-91.6% | $5,432-94.8% | $2,343-87.8% |
| Participant deferral / active EE | $4,510 | $3,086+46.2% | $4,939-8.7% | $3,332+35.4% |
| Admin fee / account holder | $18 | $5,698-99.7% | $13,881-99.9% | $4,645-99.6% |