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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION5+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $229,860 |
PYAPC4 years Service code 10 · EIN 62-1517792 | Accounting | $37,000 |
OPPENHEIMER5+ years Filed as: OPPENHEIMER & CO. INC. Service code 16 · EIN 13-5657518 | Consulting | $20,200 |
Filed as: VARIABLE ANNUITY LIFE INSURANCE CO Service code 19 · EIN 74-1625348 | Securities Custodian | $12,372 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $48,536 | $68,330-29.0% | $149,740-67.6% | $96,393-49.6% |
| Participation rate | 62.1% | 74.6%-12.5pp | 78.8%-16.7pp | 71.3%-9.2pp |
| Annual return | 12.25% | 29.64%-17.4pp | 134.51%-122.3pp | 22.88%-10.6pp |
| Employer contribution / active EE | $2,063 | $2,139-3.6% | $4,821-57.2% | $3,239-36.3% |
| Participant deferral / active EE | $3,409 | $4,422-22.9% | $5,683-40.0% | $5,455-37.5% |
| Admin fee / account holder | $28 | $52-45.9% | $13,222-99.8% | $74-62.0% |