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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 | $64,705-54.4% | $62,929-53.1% | $67,986-56.6% |
| Participation rate | 53.1% | 65.6%-12.5pp | 73.1%-20.0pp | 57.2%-4.1pp |
| Annual return | 15.81% | 20.31%-4.5pp | 1063.93%-1048.1pp | 31.67%-15.9pp |
| Employer contribution / active EE | $690 | $2,376-70.9% | $2,505-72.4% | $2,019-65.8% |
| Participant deferral / active EE | $2,635 | $3,198-17.6% | $3,888-32.2% | $3,358-21.5% |
| Admin fee / account holder | $339 | $1,428-76.2% | $5,065-93.3% | $3,203-89.4% |