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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2 years Service code 13 · EIN 35-1140070 | Contract Administrator | $56,066 |
THE PERSPECTIVE GROUP, LLC2 years Service code 27 · EIN 45-5254009 | Advisory (Plan) | $33,190 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,964 | $83,045+16.8% | $130,045-25.4% | $71,511+35.6% |
| Participation rate | 82.7% | 74.1%+8.6pp | 78.5%+4.2pp | 67.9%+14.8pp |
| Annual return | 18.48% | 20.61%-2.1pp | -137.30%+155.8pp | 28.86%-10.4pp |
| Employer contribution / active EE | $6,967 | $2,623+165.6% | $4,321+61.2% | $2,589+169.1% |
| Participant deferral / active EE | $7,579 | $4,436+70.9% | $5,820+30.2% | $4,291+76.6% |
| Admin fee / account holder | $551 | $1,727-68.1% | $10,600-94.8% | $1,588-65.3% |