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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $24,725 |
WELLS FARGO BANK, N.A.4+ years Filed as: WELLS FARGO ADVISORS Service code 27 · EIN 34-1542819 | Advisory (Plan) | $12,807 |
NOVA 401(K) ASSOCIATES1 year Filed as: NOVA 401K ASSOCIATES Service code 15 10777 NW FWY STE 440 · HOUSTON, TX 77092 | Recordkeeping | $5,885 |
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.
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,971 | $79,700-80.0% | $153,643-89.6% | $74,459-78.6% |
| Participation rate | 32.8% | 69.8%-37.0pp | 77.1%-44.3pp | 67.2%-34.4pp |
| Annual return | 12.28% | 15.07%-2.8pp | 15.71%-3.4pp | 1369.70%-1357.4pp |
| Employer contribution / active EE | $0 | $4,016-100.0% | $5,039-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,362 | $5,315-74.4% | $6,754-79.8% | $4,350-68.7% |
| Admin fee / account holder | $331 | $1,790-81.5% | $12,739-97.4% | $1,945-83.0% |