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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $29,862 |
LINCOLN NATIONAL CORPORATION2 years Filed as: LINCOLN FINANCIAL ADVISORS Service code 15 · EIN 35-1151034 | Recordkeeping | $11,145 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,533 | $67,594-56.3% | $77,361-61.8% | $69,733-57.6% |
| Participation rate | 53.1% | 71.7%-18.6pp | 75.0%-21.9pp | 62.5%-9.4pp |
| Annual return | 15.81% | 19.20%-3.4pp | 1011.54%-995.7pp | 15.22%+0.6pp |
| Employer contribution / active EE | $690 | $2,649-73.9% | $2,990-76.9% | $2,250-69.3% |
| Participant deferral / active EE | $2,635 | $3,401-22.5% | $3,911-32.6% | $3,054-13.7% |
| Admin fee / account holder | $339 | $1,159-70.7% | $5,894-94.2% | $3,102-89.1% |