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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR2+ years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $6,333 |
LINCOLN NATIONAL CORPORATION2+ years Filed as: LINCOLN FINANCIAL ADVISORS CORPORAT Service code 55 1300 S CLINTON ST · FORT WAYNE, IN 46802 | Other Commissions | $0 |
Filed as: STRATEGIC WEALTH ADVISORS GROUP LLC Service code 99 · EIN 20-4922484 | Other Fees | $0 |
TPA SERVICES, INC.2+ 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 | $54,527 | $52,188+4.5% | $86,656-37.1% | $74,473-26.8% |
| Participation rate | 27.4% | 66.3%-38.9pp | 71.7%-44.3pp | 70.7%-43.3pp |
| Annual return | 17.24% | 44.46%-27.2pp | 593.09%-575.9pp | 34.36%-17.1pp |
| Employer contribution / active EE | $180 | $2,282-92.1% | $3,025-94.0% | $2,638-93.2% |
| Participant deferral / active EE | $1,296 | $3,383-61.7% | $4,439-70.8% | $4,530-71.4% |
| Admin fee / account holder | $342 | $319+7.4% | $5,619-93.9% | $347-1.4% |