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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION3+ years Filed as: LINCOLN NATIONAL LIFE INSURANCE CO Service code 13 · EIN 35-1140070 | Contract Administrator | $18,242 |
STADION MONEY MANAGEMENT3+ years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $16,959 |
Filed as: PINNACLE FINANCIAL SERVICES Service code 15 · EIN 59-2438373 | Recordkeeping | $5,495 |
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.)
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 | $33,747 | $44,059-23.4% | $71,671-52.9% | $69,631-51.5% |
| Participation rate | 19.2% | 60.8%-41.5pp | 68.7%-49.5pp | 70.7%-51.5pp |
| Annual return | 17.99% | 21.97%-4.0pp | 20.65%-2.7pp | 27571.02%-27553.0pp |
| Employer contribution / active EE | $328 | $1,305-74.8% | $2,460-86.7% | $2,032-83.8% |
| Participant deferral / active EE | $908 | $2,370-61.7% | $3,438-73.6% | $3,224-71.8% |
| Admin fee / account holder | $325 | $108+201.8% | $5,558-94.2% | $110+194.3% |