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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Service code 14 · EIN 35-1140070 P. O. BOX 7877 · FORT WAYNE, IN 46802 | Plan Administrator | $33,302 |
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY Service code 16 · EIN 34-1300581 159 COCKER PARK BLVD · WESTLAKE, OH 44145 | Consulting | $7,960 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $23,554 | $46,732-49.6% | $156,551-85.0% | $55,167-57.3% |
| Participation rate | 76.2% | 65.8%+10.4pp | 84.0%-7.8pp | 69.0%+7.2pp |
| Annual return | -2.55% | 17.72%-20.3pp | 32.23%-34.8pp | 169.23%-171.8pp |
| Employer contribution / active EE | $445 | $2,105-78.8% | $5,501-91.9% | $1,963-77.3% |
| Participant deferral / active EE | $2,972 | $2,204+34.8% | $4,871-39.0% | $3,054-2.7% |
| Admin fee / account holder | $315 | $418-24.7% | $13,028-97.6% | $504-37.5% |