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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION3+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $231,152 |
STADION MONEY MANAGEMENT3+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $96,864 |
Filed as: PINNACLE FINANCIAL SERVCES, INC Service code 15 · EIN 59-2438373 | Recordkeeping | $51,408 |
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $38,111 |
Service code 15 · EIN 59-2438373 | Recordkeeping | $6,114 |
LPL FINANCIAL1 year Service code 22 · EIN 95-2834236 | Insurance Broker | $3,932 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $34,166 | $43,717-21.8% | $81,478-58.1% | $77,958-56.2% |
| Participation rate | 34.1% | 42.5%-8.4pp | 68.0%-33.9pp | 71.6%-37.6pp |
| Annual return | -14.52% | 23.83%-38.3pp | 38.78%-53.3pp | 20.87%-35.4pp |
| Employer contribution / active EE | $848 | $919-7.7% | $2,568-67.0% | $2,310-63.3% |
| Participant deferral / active EE | $1,654 | $1,783-7.3% | $3,537-53.2% | $3,537-53.2% |
| Admin fee / account holder | $329 | $108+205.3% | $4,561-92.8% | $97+238.2% |