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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION10+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $251,413 |
PINNACLE FINANCIAL SERVICES, INC.10+ years Filed as: PINNACLE FINANCIAL SERVICES, LLC Service code 15 · EIN 59-2438373 | Recordkeeping | $50,581 |
3(16) FIDUCIARY SERVICES CORP10+ years Service code 31 · EIN 45-4813650 | Named fiduciary | $18,075 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,249 | $53,204-71.3% | $155,556-90.2% | $200,096-92.4% |
| Participation rate | 36.2% | 64.1%-27.9pp | 78.2%-42.0pp | 72.0%-35.8pp |
| Annual return | 11.57% | 41.02%-29.5pp | 64.84%-53.3pp | 34.26%-22.7pp |
| Employer contribution / active EE | $328 | $1,850-82.3% | $4,675-93.0% | $3,038-89.2% |
| Participant deferral / active EE | $880 | $3,163-72.2% | $5,631-84.4% | $5,090-82.7% |
| Admin fee / account holder | $108 | $186-41.9% | $15,885-99.3% | $269-60.0% |