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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2 years Service code 13 · EIN 35-1140070 | Contract Administrator | $33,022 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO CLEARING SERVICES Service code 16 · EIN 34-1542819 | Consulting | $17,633 |
STIFEL NICOLAUS & CO INC1 year Filed as: STIFEL, NICOLAUS & COMPANY, INC Service code 13 · EIN 43-0538870 | Contract Administrator | $4,409 |
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.
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.
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 | $38,087 | $64,286-40.8% | $90,965-58.1% | $73,412-48.1% |
| Participation rate | 24.1% | 63.6%-39.5pp | 69.0%-44.9pp | 72.2%-48.1pp |
| Annual return | 9.96% | 21.46%-11.5pp | 134.57%-124.6pp | 59.30%-49.3pp |
| Employer contribution / active EE | $189 | $895-78.9% | $2,122-91.1% | $2,234-91.5% |
| Participant deferral / active EE | $1,172 | $2,453-52.2% | $3,373-65.2% | $3,806-69.2% |
| Admin fee / account holder | $362 | $287+26.2% | $5,960-93.9% | $158+129.4% |