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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION7+ years Service code 14 · EIN 35-1140070 P. O. BOX 7877 · FORT WAYNE, IN 46802 | Plan Administrator | $61,281 |
MORGAN STANLEY SMITH BARNEY7+ years Filed as: MORGAN STANLEY Service code 14 · EIN 34-1300581 1300 THAMES STREET WARF · BALTIMORE, MD 21231 | Plan Administrator | $24,951 |
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 | $30,407 | $65,092-53.3% | $143,799-78.9% | $66,938-54.6% |
| Participation rate | 87.7% | 65.2%+22.5pp | 80.3%+7.4pp | 69.8%+17.9pp |
| Annual return | -15.58% | -11.14%-4.4pp | -0.04%-15.5pp | 1.58%-17.2pp |
| Employer contribution / active EE | $627 | $2,362-73.4% | $4,952-87.3% | $2,545-75.3% |
| Participant deferral / active EE | $4,035 | $2,920+38.2% | $5,638-28.4% | $4,238-4.8% |
| Admin fee / account holder | $359 | $502-28.5% | $14,677-97.6% | $594-39.5% |