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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION4 years Service code 13 · EIN 35-1140070 | Contract Administrator | $127,535 |
MORGAN STANLEY SMITH BARNEY6 years Filed as: GRAYSTONE CONSULTING Service code 16 · EIN 36-3145972 | Consulting | $75,028 |
Service code 26 · EIN 45-2550468 | Advisory (Participants) | $6,393 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $655,618 | $104,479+527.5% | $159,474+311.1% | $79,391+725.8% |
| Participation rate | 87.7% | 76.6%+11.0pp | 82.8%+4.8pp | 70.7%+17.0pp |
| Annual return | 12.06% | 67.98%-55.9pp | 263.68%-251.6pp | 116.88%-104.8pp |
| Employer contribution / active EE | $16,253 | $3,417+375.6% | $4,831+236.4% | $2,428+569.5% |
| Participant deferral / active EE | $12,535 | $6,468+93.8% | $7,353+70.5% | $4,046+209.8% |
| Admin fee / account holder | $929 | $711+30.6% | $10,802-91.4% | $627+48.3% |