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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $239,017 |
PYAPC3 years Service code 10 · EIN 62-1517792 | Accounting | $53,550 |
OPPENHEIMER4+ years Filed as: OPPENHEIMER & CO. INC. Service code 16 · EIN 13-5657518 | Consulting | $18,400 |
Filed as: VARIABLE ANNUITY LIFE INSURANCE CO Service code 19 · EIN 74-1625348 | Securities Custodian | $10,472 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,513 | $83,057-51.2% | $143,801-71.8% | $89,433-54.7% |
| Participation rate | 63.6% | 74.0%-10.4pp | 80.3%-16.7pp | 71.3%-7.7pp |
| Annual return | -11.96% | -13.97%+2.0pp | -0.04%-11.9pp | -11.88%-0.1pp |
| Employer contribution / active EE | $1,937 | $2,095-7.5% | $4,952-60.9% | $3,021-35.9% |
| Participant deferral / active EE | $3,352 | $4,281-21.7% | $5,639-40.5% | $5,125-34.6% |
| Admin fee / account holder | $30 | $83-63.9% | $14,680-99.8% | $79-62.3% |