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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LINCOLN NATIONAL CORP Service code 13 · EIN 35-1140070 | Contract Administrator | $5,391 |
Service code 27 · EIN 71-0294708 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,758 | $63,114-81.4% | $92,909-87.3% | $65,185-82.0% |
| Participation rate | 41.3% | 68.8%-27.4pp | 76.0%-34.7pp | 70.2%-28.9pp |
| Annual return | 53.16% | 28.75%+24.4pp | 109.44%-56.3pp | 29.38%+23.8pp |
| Employer contribution / active EE | $1,015 | $2,571-60.5% | $3,653-72.2% | $2,177-53.4% |
| Participant deferral / active EE | $1,776 | $3,108-42.9% | $4,238-58.1% | $3,514-49.5% |
| Admin fee / account holder | $74 | $624-88.1% | $5,795-98.7% | $847-91.2% |