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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $19,172 |
STADION MONEY MANAGEMENT1+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $8,068 |
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.)
Annual investment return 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).
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 | $31,105 | $46,360-32.9% | $147,617-78.9% | $52,331-40.6% |
| Participation rate | 58.8% | 64.9%-6.2pp | 84.6%-25.8pp | 68.1%-9.3pp |
| Annual return | -3.24% | 1.62%-4.9pp | 61.98%-65.2pp | 4.54%-7.8pp |
| Employer contribution / active EE | $856 | $2,126-59.7% | $5,564-84.6% | $1,882-54.5% |
| Participant deferral / active EE | $1,298 | $2,258-42.5% | $4,895-73.5% | $3,022-57.1% |
| Admin fee / account holder | $372 | $766-51.4% | $11,612-96.8% | $592-37.1% |