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| Provider | Service type | Compensation |
|---|---|---|
DEAROLF & MERENESS LLP2 years Service code 27 15425 NORTH FLORIDA AVE · TAMPA, FL 33613 | Advisory (Plan) | $12,300 |
LINCOLN NATIONAL CORPORATION3+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $6,596 |
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.
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 | $32,541 | $54,368-40.1% | $117,039-72.2% | $62,293-47.8% |
| Participation rate | 25.0% | 64.9%-39.9pp | 77.2%-52.2pp | 69.5%-44.5pp |
| Annual return | 11.97% | 21.77%-9.8pp | 18.95%-7.0pp | 28.90%-16.9pp |
| Employer contribution / active EE | $673 | $1,692-60.2% | $3,785-82.2% | $2,042-67.1% |
| Participant deferral / active EE | $617 | $2,269-72.8% | $3,929-84.3% | $3,169-80.5% |
| Admin fee / account holder | $498 | $493+0.9% | $5,974-91.7% | $479+3.9% |