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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION2+ years Service code 13 · EIN 35-1140070 | Contract Administrator | $33,845 |
WELLS FARGO BANK, N.A.2+ years Filed as: WELLS FARGO ADVISORS Service code 27 · EIN 34-1542819 | Advisory (Plan) | $10,772 |
HAVERLOCK ESTEY & CURRAN LLC2+ years Service code 27 · EIN 01-0271013 | Advisory (Plan) | $10,700 |
DOWNEAST PENSION SERVICES, INC.2+ years Service code 15 · EIN 01-0472857 | Recordkeeping | $5,375 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $10,369 | $35,986-71.2% | $77,513-86.6% | $73,493-85.9% |
| Participation rate | 67.4% | 40.8%+26.6pp | 54.2%+13.2pp | 70.7%-3.3pp |
| Annual return | 14.36% | 19.26%-4.9pp | 54.81%-40.4pp | 28.51%-14.2pp |
| Employer contribution / active EE | $742 | $557+33.1% | $987-24.8% | $2,270-67.3% |
| Participant deferral / active EE | $1,754 | $1,198+46.5% | $1,861-5.7% | $3,740-53.1% |
| Admin fee / account holder | $161 | $466-65.4% | $2,859-94.4% | $513-68.6% |