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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $19,384 |
ADP BROKER-DEALER4 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
LINCOLN NATIONAL CORPORATION2 years Filed as: LINCOLN INVESTMENT PLANNING, INC Service code 49 28411 NORTHWESTERN HIGHWAY · SOUTHFIELD, MI 48034 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $28,016 | $64,286-56.4% | $90,970-69.2% | $73,412-61.8% |
| Participation rate | 40.0% | 63.6%-23.6pp | 69.0%-29.0pp | 72.2%-32.1pp |
| Annual return | 18.22% | 21.46%-3.2pp | 134.60%-116.4pp | 59.30%-41.1pp |
| Employer contribution / active EE | $0 | $895-100.0% | $2,122-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $744 | $2,453-69.7% | $3,373-78.0% | $3,806-80.5% |
| Admin fee / account holder | $54 | $287-81.0% | $5,961-99.1% | $158-65.5% |