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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION7 years Filed as: LINCOLN NATIONAL LIFE INSURANCE Service code 13 · EIN 35-1140070 | Contract Administrator | $88,612 |
Filed as: MORGAN STANLEY GLOBAL BANKING OPS Service code 27 · EIN 20-8764829 | Advisory (Plan) | $23,225 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,365 | $110,483+12.6% | $145,433-14.5% | $79,634+56.2% |
| Participation rate | 47.3% | 71.1%-23.8pp | 82.1%-34.8pp | 62.5%-15.1pp |
| Annual return | 18.71% | 24.62%-5.9pp | 66.58%-47.9pp | 36.46%-17.8pp |
| Employer contribution / active EE | $0 | $4,053-100.0% | $4,554-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $6,045 | $7,216-16.2% | $7,897-23.5% | $3,835+57.6% |
| Admin fee / account holder | $488 | $680-28.2% | $13,129-96.3% | $1,002-51.2% |