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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION1+ years Filed as: LINCOLN NATIONAL LIFE INSURANCE CO Service code 13 · EIN 35-1140070 | Contract Administrator | $14,293 |
STADION MONEY MANAGEMENT1+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $13,883 |
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.
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $28,571 | $39,458-27.6% | $60,547-52.8% | $55,191-48.2% |
| Participation rate | 16.6% | 59.6%-43.0pp | 68.0%-51.4pp | 69.2%-52.6pp |
| Annual return | -6.28% | 3.35%-9.6pp | 335.64%-341.9pp | 10.78%-17.1pp |
| Employer contribution / active EE | $221 | $1,210-81.7% | $2,419-90.9% | $1,899-88.3% |
| Participant deferral / active EE | $615 | $2,140-71.3% | $3,328-81.5% | $3,046-79.8% |
| Admin fee / account holder | $348 | $95+265.6% | $4,536-92.3% | $91+283.2% |