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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION7+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $60,255 |
DUNBAR, BENDER & ZAPF, INC.7+ years Filed as: DUNBAR, BENDER & ZAPF Service code 15 · EIN 25-1650062 | Recordkeeping | $6,305 |
STADION MONEY MANAGEMENT7+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $1,046 |
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.
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 | $51,633 | $59,267-12.9% | $96,575-46.5% | $79,393-35.0% |
| Participation rate | 100.0% | 61.9%+38.1pp | 69.8%+30.2pp | 70.7%+29.3pp |
| Annual return | 11.42% | 27.08%-15.7pp | 37.79%-26.4pp | 116.87%-105.5pp |
| Employer contribution / active EE | $1,279 | $1,216+5.2% | $2,357-45.7% | $2,428-47.3% |
| Participant deferral / active EE | $3,822 | $2,947+29.7% | $3,849-0.7% | $4,046-5.5% |
| Admin fee / account holder | $305 | $659-53.7% | $6,182-95.1% | $627-51.4% |