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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2 years Service code 13 · EIN 35-0472300 | Contract Administrator | $118,487 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 | Advisory (Participants) | $56,861 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $57,492 | $90,064-36.2% | $100,392-42.7% | $77,736-26.0% |
| Participation rate | 92.1% | 81.3%+10.8pp | 81.5%+10.6pp | 70.6%+21.5pp |
| Annual return | 11.29% | 20.61%-9.3pp | 49.45%-38.2pp | 31.26%-20.0pp |
| Employer contribution / active EE | $2,140 | $3,043-29.7% | $3,941-45.7% | $2,728-21.5% |
| Participant deferral / active EE | $6,349 | $8,282-23.3% | $8,090-21.5% | $4,651+36.5% |
| Admin fee / account holder | $362 | $172+110.6% | $7,904-95.4% | $433-16.4% |