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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION5 years Filed as: LINCOLN NATIONAL LIFE INSURANCE Service code 13 · EIN 35-1140070 | Contract Administrator | $82,499 |
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.)
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 | $112,747 | $95,438+18.1% | $135,982-17.1% | $74,473+51.4% |
| Participation rate | 43.7% | 78.2%-34.5pp | 81.9%-38.2pp | 70.7%-27.0pp |
| Annual return | 20.42% | 32.61%-12.2pp | 68.32%-47.9pp | 34.36%-13.9pp |
| Employer contribution / active EE | $0 | $3,878-100.0% | $4,859-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $5,303 | $7,790-31.9% | $7,760-31.7% | $4,530+17.1% |
| Admin fee / account holder | $471 | $259+82.1% | $10,767-95.6% | $347+35.8% |