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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4 years Service code 13 · EIN 35-1140070 | Contract Administrator | $44,416 |
ASCENSUS LLC4 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 P.O. BOX 55757 · BOSTON, MA 02205 | Recordkeeping | $9,264 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,992 | $81,487-27.6% | $102,412-42.4% | $80,935-27.1% |
| Participation rate | 32.5% | 66.8%-34.3pp | 74.5%-42.0pp | 67.7%-35.1pp |
| Annual return | 10.23% | 25.60%-15.4pp | 24.94%-14.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $1,241 | $3,103-60.0% | $3,870-67.9% | $2,757-55.0% |
| Participant deferral / active EE | $2,377 | $3,871-38.6% | $5,060-53.0% | $4,299-44.7% |
| Admin fee / account holder | $502 | $6,717-92.5% | $8,388-94.0% | $6,924-92.8% |