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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION10+ years Service code 13 · EIN 35-1140070 ONE GRANITE PLACE 4S · CONCORD, NH 03301 | Contract Administrator | $10,725 |
PENTEGRA SERVICES, INC.9 years Filed as: PENTEGRA RETIREMENT SERVICES Service code 15 · EIN 13-3745616 5350 77 CENTER DRIVE · CHARLOTTE, NC 46801 | Recordkeeping | $1,540 |
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.
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 | $46,157 | $83,023-44.4% | $102,437-54.9% | $77,762-40.6% |
| Participation rate | 31.9% | 71.5%-39.7pp | 74.5%-42.6pp | 70.6%-38.7pp |
| Annual return | 4.91% | 19.12%-14.2pp | 24.95%-20.0pp | 31.27%-26.4pp |
| Employer contribution / active EE | $324 | $3,552-90.9% | $3,871-91.6% | $2,728-88.1% |
| Participant deferral / active EE | $1,763 | $4,110-57.1% | $5,060-65.1% | $4,651-62.1% |
| Admin fee / account holder | $3,417 | $639+434.6% | $8,388-59.3% | $433+689.3% |