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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,558 |
ADP BROKER-DEALER4+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
LINCOLN NATIONAL CORPORATION2 years Filed as: LINCOLN FINANCIAL ADVISORS Service code 49 1300 YORK RD · LUTHERVILLE, MD 21093 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $22,101 | $59,191-62.7% | $76,767-71.2% | $56,289-60.7% |
| Participation rate | 57.3% | 75.2%-17.9pp | 77.0%-19.7pp | 69.9%-12.6pp |
| Annual return | 10.32% | 6.62%+3.7pp | 2.43%+7.9pp | -9.96%+20.3pp |
| Employer contribution / active EE | $716 | $1,759-59.3% | $2,485-71.2% | $2,111-66.1% |
| Participant deferral / active EE | $1,694 | $3,255-48.0% | $3,852-56.0% | $3,350-49.4% |
| Admin fee / account holder | $21 | $489-95.8% | $6,675-99.7% | $521-96.0% |