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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION8+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $788 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,422 | $46,332-49.4% | $143,797-83.7% | $64,824-63.9% |
| Participation rate | 40.8% | 64.2%-23.4pp | 80.3%-39.5pp | 71.5%-30.7pp |
| Annual return | -12.04% | -10.05%-2.0pp | -0.04%-12.0pp | 32.84%-44.9pp |
| Employer contribution / active EE | $288 | $1,911-84.9% | $4,952-94.2% | $2,507-88.5% |
| Participant deferral / active EE | $1,069 | $2,647-59.6% | $5,638-81.0% | $4,311-75.2% |
| Admin fee / account holder | $3 | $154-98.3% | $14,679-100.0% | $188-98.6% |