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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $6,806 |
THE RETIREMENT ADVANTAGE INC1+ years Service code 15 · EIN 39-1816008 | Recordkeeping | $1,020 |
STADION MONEY MANAGEMENT1+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $379 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $11,958 | $52,911-77.4% | $73,309-83.7% | $59,633-79.9% |
| Participation rate | 60.8% | 68.2%-7.4pp | 74.9%-14.1pp | 68.7%-7.8pp |
| Annual return | 0.14% | 12.20%-12.1pp | 5.67%-5.5pp | 2041.45%-2041.3pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,472 | $4,069-14.7% | $4,991-30.4% | $3,192+8.8% |
| Admin fee / account holder | $77 | $3,835-98.0% | $5,635-98.6% | $4,297-98.2% |