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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION5 years Filed as: LINCOLN RETIREMENT SERVICES Service code 13 · EIN 35-0472300 PO BOX 2212 · FORT WAYNE, IN 46801 | Contract Administrator | $116,289 |
401K ADMINISTRATORS, INC5 years Service code 15 · EIN 68-0603460 14071 PEYTON DR UNIT 968 · CHINO HILLS, CA 91709 | Recordkeeping | $950 |
Service code 99 · EIN 33-0639599 1301 DOVE ST STE 890 · NEWPORT BEACH, CA 92660 | Other Fees | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $88,431 | $86,795+1.9% | $67,681+30.7% | $64,728+36.6% |
| Participation rate | 43.8% | 71.7%-27.9pp | 73.7%-30.0pp | 57.9%-14.1pp |
| Annual return | 15.04% | 12.58%+2.5pp | 590.58%-575.5pp | 49.38%-34.3pp |
| Employer contribution / active EE | $3,172 | $2,837+11.8% | $2,678+18.4% | $2,243+41.4% |
| Participant deferral / active EE | $3,067 | $3,430-10.6% | $3,976-22.9% | $2,729+12.4% |
| Admin fee / account holder | $577 | $238+142.1% | $6,100-90.5% | $1,145-49.6% |