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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2 years Filed as: LINCOLN FINANCIAL GROUP Service code 13 · EIN 35-1140070 | Contract Administrator | $32,052 |
AVINTUS2 years Service code 16 · EIN 43-3682160 | Consulting | $8,665 |
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.)
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $48,551 | $65,322-25.7% | $70,476-31.1% | $73,493-33.9% |
| Participation rate | 62.3% | 77.0%-14.7pp | 75.1%-12.8pp | 70.7%-8.4pp |
| Annual return | 2.56% | 15.71%-13.2pp | 109.12%-106.6pp | 28.51%-26.0pp |
| Employer contribution / active EE | $0 | $2,460-100.0% | $2,738-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,295 | $3,375-32.0% | $3,710-38.1% | $3,740-38.6% |
| Admin fee / account holder | $463 | $214+116.2% | $3,847-88.0% | $513-9.8% |