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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION7+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $24,062 |
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.)
Annual investment return 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $51,741 | $68,681-24.7% | $86,625-40.3% | $85,851-39.7% |
| Participation rate | 25.7% | 66.4%-40.7pp | 71.6%-46.0pp | 69.3%-43.6pp |
| Annual return | 8.95% | 20.12%-11.2pp | 63.52%-54.6pp | 318.63%-309.7pp |
| Employer contribution / active EE | $0 | $1,880-100.0% | $2,496-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,157 | $2,919-60.4% | $3,700-68.7% | $3,952-70.7% |
| Admin fee / account holder | $708 | $5,974-88.2% | $5,830-87.9% | $6,261-88.7% |