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| Provider | Service type | Compensation |
|---|---|---|
BANKERS TRUST COMPANY4 years Service code 15 · EIN 42-0127385 | Recordkeeping | $16,098 |
LINCOLN NATIONAL CORPORATION10+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $2,413 |
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.
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 | $28,274 | $51,878-45.5% | $68,368-58.6% | $79,634-64.5% |
| Participation rate | 18.3% | 53.7%-35.4pp | 73.8%-55.4pp | 62.5%-44.2pp |
| Annual return | 6.37% | 137.43%-131.1pp | 292.57%-286.2pp | 36.46%-30.1pp |
| Employer contribution / active EE | $287 | $1,931-85.1% | $2,649-89.2% | $2,529-88.7% |
| Participant deferral / active EE | $630 | $2,577-75.5% | $4,123-84.7% | $3,835-83.6% |
| Admin fee / account holder | $152 | $942-83.9% | $5,150-97.1% | $1,002-84.9% |