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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $21,884 |
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.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,299 | $95,388-58.8% | $125,363-68.7% | $77,906-49.6% |
| Participation rate | 4.3% | 78.6%-74.3pp | 82.4%-78.0pp | 73.7%-69.4pp |
| Annual return | -18.10% | 116.19%-134.3pp | 572.15%-590.3pp | 12.16%-30.3pp |
| Employer contribution / active EE | $0 | $3,666-100.0% | $4,815-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $118 | $7,711-98.5% | $7,447-98.4% | $4,805-97.5% |
| Admin fee / account holder | $322 | $119+170.8% | $10,005-96.8% | $133+142.7% |