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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSMUTUAL Service code 15 · EIN 04-1590850 | Recordkeeping | $4,232 |
LINCOLN NATIONAL CORPORATION2+ years Filed as: LINCOLN FINANCIAL ADVISORS Service code 26 · EIN 35-1151034 | Advisory (Participants) | $0 |
TRINITY PENSION CONSULTANTS2+ years Service code 11 · EIN 20-4548831 | Actuarial | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,836 | $56,894-72.2% | $84,753-81.3% | $62,881-74.8% |
| Participation rate | 78.3% | 68.5%+9.8pp | 76.6%+1.7pp | 69.3%+9.0pp |
| Annual return | 4.37% | 6.30%-1.9pp | 22.78%-18.4pp | 20.14%-15.8pp |
| Employer contribution / active EE | $399 | $2,400-83.4% | $3,574-88.8% | $2,281-82.5% |
| Participant deferral / active EE | $1,127 | $2,709-58.4% | $3,712-69.6% | $3,203-64.8% |
| Admin fee / account holder | $37 | $3,581-99.0% | $5,333-99.3% | $4,296-99.1% |