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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION7+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $890,793 |
MOSS ADAMS LLP6 years Service code 10 · EIN 91-0189318 | Accounting | $5,250 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $114,022 | $115,744-1.5% | $100,415+13.6% | $200,096-43.0% |
| Participation rate | 71.7% | 85.7%-13.9pp | 81.5%-9.8pp | 72.0%-0.3pp |
| Annual return | 10.78% | 17.79%-7.0pp | 49.47%-38.7pp | 34.26%-23.5pp |
| Employer contribution / active EE | $2,688 | $3,657-26.5% | $3,943-31.8% | $3,038-11.5% |
| Participant deferral / active EE | $6,321 | $9,844-35.8% | $8,091-21.9% | $5,090+24.2% |
| Admin fee / account holder | $322 | $93+247.0% | $7,906-95.9% | $269+19.7% |