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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $16,493 |
STADION MONEY MANAGEMENT2+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $8,836 |
Filed as: PINNACLE FINANCIAL SERVICES, INC Service code 15 · EIN 59-2438373 | Recordkeeping | $2,727 |
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.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $10,768 | $46,732-77.0% | $156,551-93.1% | $55,167-80.5% |
| Participation rate | 63.2% | 65.8%-2.6pp | 84.0%-20.8pp | 69.0%-5.8pp |
| Annual return | 7.75% | 17.72%-10.0pp | 32.23%-24.5pp | 169.23%-161.5pp |
| Employer contribution / active EE | $267 | $2,105-87.3% | $5,501-95.1% | $1,963-86.4% |
| Participant deferral / active EE | $1,134 | $2,204-48.6% | $4,871-76.7% | $3,054-62.9% |
| Admin fee / account holder | $130 | $418-68.9% | $13,028-99.0% | $504-74.2% |