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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 | $65,072-54.6% | $66,439-55.5% | $65,306-54.8% |
| Participation rate | 53.1% | 69.1%-16.0pp | 74.5%-21.4pp | 57.7%-4.6pp |
| Annual return | 15.81% | 21.50%-5.7pp | 757.66%-741.9pp | 21.94%-6.1pp |
| Employer contribution / active EE | $690 | $2,475-72.1% | $2,637-73.8% | $1,967-64.9% |
| Participant deferral / active EE | $2,635 | $3,234-18.5% | $3,876-32.0% | $2,959-11.0% |
| Admin fee / account holder | $339 | $1,323-74.4% | $6,173-94.5% | $3,480-90.2% |