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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN CAPITAL HOLDINGS2 years Service code 27 · EIN 26-3505968 | Advisory (Plan) | $26,158 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,778 |
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.)
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 | $52,840 | $55,125-4.1% | $109,916-51.9% | $86,821-39.1% |
| Participation rate | 28.7% | 70.1%-41.4pp | 74.2%-45.5pp | 72.3%-43.6pp |
| Annual return | 15.92% | 26.20%-10.3pp | 29.46%-13.5pp | 97.94%-82.0pp |
| Employer contribution / active EE | $286 | $1,558-81.6% | $2,844-89.9% | $2,406-88.1% |
| Participant deferral / active EE | $1,101 | $3,337-67.0% | $4,047-72.8% | $4,132-73.4% |
| Admin fee / account holder | $314 | $141+122.6% | $6,069-94.8% | $170+85.1% |