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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION5 years Service code 13 · EIN 35-1140070 | Contract Administrator | $36,136 |
STADION MONEY MANAGEMENT4 years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $24,481 |
Filed as: ASSOCIATED PENSION CONSULTANTS INC Service code 15 111 EXPRESS STREET · PLAINVIEW, NY 11803 | Recordkeeping | $5,336 |
Filed as: ROSENFIELD AND CO., PLLC Service code 27 201 E PINE ST · ORLANDO, FL 32801 | Advisory (Plan) | $839 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $51,659 | $49,451+4.5% | $79,576-35.1% | $66,930-22.8% |
| Participation rate | 48.4% | 61.3%-12.9pp | 69.5%-21.1pp | 69.8%-21.4pp |
| Annual return | -15.59% | 84.25%-99.8pp | 0.15%-15.7pp | 1.57%-17.2pp |
| Employer contribution / active EE | $220 | $1,266-82.6% | $2,413-90.9% | $2,545-91.3% |
| Participant deferral / active EE | $4,699 | $3,159+48.8% | $3,985+17.9% | $4,238+10.9% |
| Admin fee / account holder | $668 | $595+12.3% | $6,834-90.2% | $593+12.6% |