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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $31,625 |
Filed as: LINCOLN FINANCIAL ADVISORS Service code 15 · EIN 35-1151034 | Recordkeeping | $11,329 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $21,574 | $69,774-69.1% | $67,575-68.1% | $74,459-71.0% |
| Participation rate | 50.7% | 71.4%-20.7pp | 72.9%-22.2pp | 67.2%-16.6pp |
| Annual return | 11.45% | -40.53%+52.0pp | 3528.98%-3517.5pp | 1369.70%-1358.3pp |
| Employer contribution / active EE | $641 | $2,710-76.4% | $2,736-76.6% | $2,626-75.6% |
| Participant deferral / active EE | $2,308 | $3,636-36.5% | $4,003-42.4% | $4,350-46.9% |
| Admin fee / account holder | $316 | $890-64.5% | $3,993-92.1% | $1,945-83.8% |