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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION6 years Filed as: LINCOLN NATIONAL LIFE INSURANCE Service code 13 · EIN 35-1140070 | Contract Administrator | $97,608 |
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.
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 | $118,924 | $106,247+11.9% | $147,096-19.2% | $77,714+53.0% |
| Participation rate | 42.1% | 78.4%-36.3pp | 82.2%-40.1pp | 70.6%-28.5pp |
| Annual return | 12.64% | 56.87%-44.2pp | 419.75%-407.1pp | 31.26%-18.6pp |
| Employer contribution / active EE | $0 | $4,069-100.0% | $4,936-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $5,438 | $7,996-32.0% | $8,071-32.6% | $4,649+17.0% |
| Admin fee / account holder | $493 | $338+45.7% | $13,005-96.2% | $433+13.8% |