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| Provider | Service type | Compensation |
|---|---|---|
LINCOLN NATIONAL CORPORATION5 years Service code 13 · EIN 35-1140070 | Contract Administrator | $122,886 |
MORGAN STANLEY SMITH BARNEY7 years Filed as: GRAYSTONE CONSULTING Service code 16 · EIN 36-3145972 | Consulting | $75,187 |
Service code 26 · EIN 45-2550468 | Advisory (Participants) | $6,865 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $558,928 | $84,499+561.5% | $125,391+345.7% | $66,949+734.9% |
| Participation rate | 98.6% | 76.4%+22.2pp | 82.4%+16.2pp | 69.8%+28.8pp |
| Annual return | -13.43% | -8.49%-4.9pp | 572.41%-585.8pp | 1.57%-15.0pp |
| Employer contribution / active EE | $17,644 | $3,554+396.5% | $4,816+266.4% | $2,545+593.2% |
| Participant deferral / active EE | $13,585 | $6,785+100.2% | $7,448+82.4% | $4,239+220.5% |
| Admin fee / account holder | $921 | $685+34.5% | $10,009-90.8% | $594+55.2% |