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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION3 years Service code 13 · EIN 35-1140070 | Contract Administrator | $24,120 |
Filed as: MERRILL LYNCH, PIERCE, FENNER & SMI Service code 27 150 N COLLEGE ST · CHARLOTTE, NC 28255 | Advisory (Plan) | $14,696 |
Service code 15 · EIN 13-3180178 | Recordkeeping | $10,856 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,061 | $29,569+49.0% | $56,077-21.4% | $77,714-43.3% |
| Participation rate | 9.5% | 32.6%-23.2pp | 52.5%-43.0pp | 70.6%-61.1pp |
| Annual return | 12.87% | 18.90%-6.0pp | 1709.28%-1696.4pp | 31.26%-18.4pp |
| Employer contribution / active EE | $84 | $569-85.2% | $1,040-91.9% | $2,727-96.9% |
| Participant deferral / active EE | $342 | $1,061-67.8% | $1,954-82.5% | $4,649-92.6% |
| Admin fee / account holder | $373 | $1,042-64.2% | $2,825-86.8% | $433-13.8% |