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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.
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 | $65,084-54.6% | $67,681-56.4% | $64,340-54.1% |
| Participation rate | 53.1% | 66.7%-13.7pp | 73.7%-20.6pp | 55.2%-2.2pp |
| Annual return | 15.81% | 20.50%-4.7pp | 590.58%-574.8pp | 24.14%-8.3pp |
| Employer contribution / active EE | $690 | $2,398-71.2% | $2,678-74.2% | $1,862-62.9% |
| Participant deferral / active EE | $2,635 | $3,210-17.9% | $3,976-33.7% | $2,980-11.6% |
| Admin fee / account holder | $339 | $1,415-76.0% | $6,100-94.4% | $3,703-90.8% |