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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN CAPITAL HOLDINGS3 years Service code 27 · EIN 26-3505968 | Advisory (Plan) | $25,982 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,330 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $47,379 | $42,901+10.4% | $91,227-48.1% | $64,824-26.9% |
| Participation rate | 26.1% | 68.1%-42.0pp | 73.2%-47.0pp | 71.5%-45.3pp |
| Annual return | -14.92% | -13.53%-1.4pp | 114.14%-129.1pp | 32.84%-47.8pp |
| Employer contribution / active EE | $363 | $1,571-76.9% | $2,851-87.3% | $2,507-85.5% |
| Participant deferral / active EE | $1,163 | $3,501-66.8% | $4,234-72.5% | $4,311-73.0% |
| Admin fee / account holder | $309 | $131+136.0% | $5,423-94.3% | $188+64.7% |