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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4 years Service code 13 · EIN 35-1140070 | Contract Administrator | $94,712 |
CREATIVE PLANNING LLC3 years Filed as: CREATIVE PLANNING, LLC Service code 26 · EIN 84-4519624 | Advisory (Participants) | $55,696 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $71,186 | $54,213+31.3% | $93,696-24.0% | $77,736-8.4% |
| Participation rate | 66.5% | 64.0%+2.6pp | 68.7%-2.2pp | 70.6%-4.0pp |
| Annual return | 13.65% | 30.55%-16.9pp | 133.74%-120.1pp | 31.26%-17.6pp |
| Employer contribution / active EE | $2,781 | $1,168+138.1% | $2,422+14.8% | $2,728+2.0% |
| Participant deferral / active EE | $6,118 | $3,145+94.5% | $4,417+38.5% | $4,651+31.6% |
| Admin fee / account holder | $550 | $575-4.3% | $8,287-93.4% | $433+27.0% |