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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2+ years Filed as: LINCOLN INVESTMENT PLANNING INC Service code 15 · EIN 23-1702591 | Recordkeeping | $25,650 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $3,012 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,379 | $50,106+52.4% | $69,779+9.5% | $57,658+32.5% |
| Participation rate | 31.0% | 70.9%-39.8pp | 71.8%-40.8pp | 70.2%-39.2pp |
| Annual return | 9.18% | 14.58%-5.4pp | 12.99%-3.8pp | 5.13%+4.1pp |
| Employer contribution / active EE | $840 | $1,739-51.7% | $2,338-64.1% | $1,974-57.4% |
| Participant deferral / active EE | $1,606 | $2,486-35.4% | $2,931-45.2% | $3,061-47.5% |
| Admin fee / account holder | $327 | $89+266.7% | $4,381-92.5% | $95+246.0% |