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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 | $84,045+5.2% | $77,361+14.3% | $69,255+27.7% |
| Participation rate | 43.8% | 71.8%-28.0pp | 75.0%-31.2pp | 69.0%-25.3pp |
| Annual return | 15.04% | 12.46%+2.6pp | 1011.54%-996.5pp | 26.73%-11.7pp |
| Employer contribution / active EE | $3,172 | $2,954+7.4% | $2,990+6.1% | $2,645+19.9% |
| Participant deferral / active EE | $3,067 | $3,349-8.4% | $3,911-21.6% | $2,890+6.1% |
| Admin fee / account holder | $577 | $239+141.4% | $5,894-90.2% | $733-21.3% |