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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LINCOLN NATIONAL CORP Service code 13 · EIN 35-1140070 | Contract Administrator | $9,088 |
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.
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).
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 | $28,756 | $50,637-43.2% | $86,582-66.8% | $62,293-53.8% |
| Participation rate | 39.4% | 67.9%-28.5pp | 73.5%-34.1pp | 69.5%-30.1pp |
| Annual return | 13.25% | 20.80%-7.6pp | 965.08%-951.8pp | 28.90%-15.6pp |
| Employer contribution / active EE | $299 | $2,075-85.6% | $2,839-89.5% | $2,042-85.4% |
| Participant deferral / active EE | $802 | $2,611-69.3% | $3,609-77.8% | $3,169-74.7% |
| Admin fee / account holder | $185 | $413-55.3% | $4,904-96.2% | $479-61.4% |