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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION6 years Service code 64 · EIN 35-0472300 | Recordkeeping Fees | $29,242 |
Filed as: HERITAGE ASSET MANAGEMENT, LLC Service code 28 · EIN 87-2211975 | Investment Management | $11,588 |
ASCENSUS LLC3 years Filed as: FUTUREPLAN BY ASCENSUS Service code 13 · EIN 82-3719843 | Contract Administrator | $5,928 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $26,882 | $91,474-70.6% | $135,982-80.2% | $71,529-62.4% |
| Participation rate | 72.5% | 75.7%-3.2pp | 81.9%-9.4pp | 67.9%+4.6pp |
| Annual return | 20.86% | 29.89%-9.0pp | 68.32%-47.5pp | 28.97%-8.1pp |
| Employer contribution / active EE | $314 | $3,705-91.5% | $4,859-93.5% | $2,590-87.9% |
| Participant deferral / active EE | $2,006 | $7,095-71.7% | $7,760-74.1% | $4,291-53.3% |
| Admin fee / account holder | $339 | $1,267-73.3% | $10,767-96.9% | $1,588-78.7% |