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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4 years Filed as: LINCOLN NATIONAL CORP Service code 13 · EIN 35-1140070 | Contract Administrator | $8,467 |
DEFINITI LLC2 years Filed as: DEFINITI Service code 15 · EIN 91-0819688 | Recordkeeping | $1,425 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,324 | $65,453-27.7% | $86,698-45.4% | $66,938-29.3% |
| Participation rate | 54.2% | 75.5%-21.3pp | 76.6%-22.4pp | 69.8%-15.6pp |
| Annual return | -18.59% | -10.89%-7.7pp | 35.95%-54.5pp | 1.58%-20.2pp |
| Employer contribution / active EE | $2,774 | $2,154+28.8% | $2,837-2.2% | $2,545+9.0% |
| Participant deferral / active EE | $6,408 | $4,102+56.2% | $4,656+37.6% | $4,238+51.2% |
| Admin fee / account holder | $97 | $642-84.9% | $7,493-98.7% | $594-83.7% |