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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR1+ years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $6,835 |
LINCOLN NATIONAL CORPORATION1+ years Filed as: LINCOLN FINANCIAL ADVISORS CORPORAT Service code 55 1300 S CLINTON ST · FORT WAYNE, IN 46802 | Other Commissions | $0 |
TPA SERVICES, INC.1+ years Service code 49 7108 S ALTON WAY · CENTENNIAL, CO 80112 | Other Services | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $63,953 | $47,766+33.9% | $82,763-22.7% | $64,824-1.3% |
| Participation rate | 39.5% | 67.7%-28.2pp | 72.6%-33.0pp | 71.5%-32.0pp |
| Annual return | -15.97% | -13.06%-2.9pp | 702.45%-718.4pp | 32.84%-48.8pp |
| Employer contribution / active EE | $209 | $2,182-90.4% | $3,008-93.0% | $2,507-91.7% |
| Participant deferral / active EE | $1,688 | $3,332-49.3% | $4,395-61.6% | $4,311-60.8% |
| Admin fee / account holder | $459 | $143+220.8% | $5,325-91.4% | $188+144.2% |