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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LINCOLN INVEST. PLANNING Service code 27 · EIN 23-1702591 | Advisory (Plan) | $4,565 |
THE VANGUARD GROUP, INC.3 years Service code 15 · EIN 23-1945930 | Recordkeeping | $1,727 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,411 | $70,917-76.9% | $98,916-83.4% | $73,493-77.7% |
| Participation rate | 40.2% | 73.8%-33.6pp | 76.0%-35.8pp | 70.7%-30.5pp |
| Annual return | 19.82% | 34.18%-14.4pp | 196.45%-176.6pp | 28.51%-8.7pp |
| Employer contribution / active EE | $308 | $2,037-84.9% | $2,689-88.5% | $2,270-86.4% |
| Participant deferral / active EE | $1,599 | $3,501-54.3% | $4,245-62.3% | $3,740-57.2% |
| Admin fee / account holder | $79 | $535-85.3% | $6,642-98.8% | $513-84.7% |