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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PINNACLE FINANCIAL SERVICES, LLC Service code 15 · EIN 59-2438373 | Recordkeeping | $154,766 |
LINCOLN NATIONAL CORPORATION8+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $94,020 |
3(16) FIDUCIARY SERVICES CORP8+ years Service code 31 · EIN 45-4813650 | Named fiduciary | $78,139 |
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.
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 | $8,159 | $45,000-81.9% | $143,799-94.3% | $77,906-89.5% |
| Participation rate | 58.9% | 66.8%-7.9pp | 80.3%-21.4pp | 73.7%-14.8pp |
| Annual return | -15.56% | 29.03%-44.6pp | -0.04%-15.5pp | 12.16%-27.7pp |
| Employer contribution / active EE | $515 | $1,870-72.5% | $4,952-89.6% | $2,846-81.9% |
| Participant deferral / active EE | $1,402 | $3,157-55.6% | $5,638-75.1% | $4,805-70.8% |
| Admin fee / account holder | $71 | $98-27.7% | $14,677-99.5% | $133-46.3% |