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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $23,025 |
Filed as: LINCOLN FINANCIAL ADVISORS CORP Service code 49 · EIN 35-1151034 | Other Services | $7,522 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $7,616 | $52,722-85.6% | $90,440-91.6% | $73,412-89.6% |
| Participation rate | 79.8% | 67.7%+12.1pp | 72.7%+7.1pp | 72.2%+7.6pp |
| Annual return | 11.90% | 20.70%-8.8pp | 1294.38%-1282.5pp | 59.30%-47.4pp |
| Employer contribution / active EE | $65 | $1,872-96.5% | $3,263-98.0% | $2,234-97.1% |
| Participant deferral / active EE | $833 | $2,810-70.4% | $3,964-79.0% | $3,806-78.1% |
| Admin fee / account holder | $82 | $117-29.9% | $5,615-98.5% | $158-48.1% |