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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION10+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $100,764 |
STADION MONEY MANAGEMENT10+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $57,191 |
Service code 15 494 SYCAMORE AVE · SHREWSBURY, NJ 07702 | Recordkeeping | $20,974 |
PINNACLE FINANCIAL SERVICES, INC.10+ years Filed as: PINNACLE FINANCIAL SERVICES Service code 15 · EIN 59-2438373 | Recordkeeping | $9,783 |
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 | $74,313 | $106,247-30.1% | $147,096-49.5% | $77,714-4.4% |
| Participation rate | 65.7% | 78.4%-12.7pp | 82.2%-16.5pp | 70.6%-4.9pp |
| Annual return | -18.38% | 56.87%-75.3pp | 419.75%-438.1pp | 31.26%-49.6pp |
| Employer contribution / active EE | $3,203 | $4,069-21.3% | $4,936-35.1% | $2,727+17.5% |
| Participant deferral / active EE | $4,949 | $7,996-38.1% | $8,071-38.7% | $4,649+6.4% |
| Admin fee / account holder | $733 | $338+116.7% | $13,005-94.4% | $433+69.2% |