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| Provider | Service type | Compensation |
|---|---|---|
SECURIAN FINANCIAL SERVICES INC3+ years Filed as: SECURIAN FINANCIAL SERVICES Service code 27 VIRGINIA ASSET MANAGEMENT · MIDLOTHIAN, VA 23113 | Advisory (Plan) | $14,068 |
LINCOLN NATIONAL CORPORATION3+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $7,133 |
MMA SECURITIES LLC2 years Filed as: MARSH & MCLENNAN AGENCY, LLC Service code 15 · EIN 36-1436000 | Recordkeeping | $5,237 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,260 | $80,753-37.8% | $136,297-63.1% | $62,293-19.3% |
| Participation rate | 37.6% | 73.5%-36.0pp | 81.9%-44.4pp | 69.5%-31.9pp |
| Annual return | 13.19% | 35.83%-22.6pp | 5156.16%-5143.0pp | 28.90%-15.7pp |
| Employer contribution / active EE | $236 | $2,884-91.8% | $4,696-95.0% | $2,042-88.4% |
| Participant deferral / active EE | $1,504 | $5,164-70.9% | $6,247-75.9% | $3,169-52.5% |
| Admin fee / account holder | $348 | $525-33.8% | $9,244-96.2% | $479-27.4% |