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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4 years Service code 13 · EIN 35-1140070 | Contract Administrator | $37,336 |
Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,969 | $80,724-33.1% | $103,333-47.8% | $74,495-27.6% |
| Participation rate | 49.7% | 65.7%-15.9pp | 74.5%-24.8pp | 67.2%-17.5pp |
| Annual return | 8.81% | 27.56%-18.7pp | 24.88%-16.1pp | 1364.94%-1356.1pp |
| Employer contribution / active EE | $1,399 | $3,157-55.7% | $3,868-63.8% | $2,623-46.7% |
| Participant deferral / active EE | $2,483 | $3,860-35.7% | $5,057-50.9% | $4,346-42.9% |
| Admin fee / account holder | $281 | $2,368-88.1% | $8,355-96.6% | $1,942-85.5% |