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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION6 years Service code 13 · EIN 35-1140070 | Contract Administrator | $45,914 |
STADION MONEY MANAGEMENT6 years Service code 26 · EIN 58-2099805 | Advisory (Participants) | $23,696 |
Filed as: PINNACLE PLAN DESIGN LLC Service code 15 · EIN 20-3970947 | Recordkeeping | $5,761 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $27,569 | $88,672-68.9% | $105,223-73.8% | $82,448-66.6% |
| Participation rate | 98.9% | 67.9%+31.0pp | 75.0%+23.9pp | 68.1%+30.8pp |
| Annual return | 12.30% | 30.86%-18.6pp | 180.65%-168.4pp | 41.64%-29.3pp |
| Employer contribution / active EE | $2,054 | $3,048-32.6% | $3,689-44.3% | $2,551-19.5% |
| Participant deferral / active EE | $4,187 | $4,036+3.7% | $5,072-17.4% | $4,139+1.1% |
| Admin fee / account holder | $370 | $7,146-94.8% | $8,859-95.8% | $7,234-94.9% |