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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2+ years Service code 13 · EIN 35-1140070 1301 S HARRISON · FORT WAYNE, IN 46801 | Contract Administrator | $8,041 |
Filed as: RETIREWELL ADMINISTRATORS, LLC Service code 15 1002 LICOLN DR W STE E · MARLTON, NJ 08053 | Recordkeeping | $2,200 |
Filed as: FOUNTAIN HEAD RETIREMENT SERVICES Service code 27 10 INDEPENDENCE BL · WARREN, NJ 07059 | Advisory (Plan) | $1,595 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
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 | $9,841 | $59,105-83.3% | $160,009-93.8% | $66,938-85.3% |
| Participation rate | 41.2% | 68.1%-26.9pp | 78.0%-36.8pp | 69.8%-28.6pp |
| Annual return | -53.04% | -12.26%-40.8pp | 408.85%-461.9pp | 1.58%-54.6pp |
| Employer contribution / active EE | $1,604 | $1,983-19.1% | $4,225-62.0% | $2,545-37.0% |
| Participant deferral / active EE | $2,995 | $4,395-31.9% | $6,183-51.6% | $4,238-29.3% |
| Admin fee / account holder | $123 | $591-79.1% | $8,715-98.6% | $594-79.2% |