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Original filing (PDF)20251014150425NAL0006558514001
LINCOLN NATIONAL LIFE INSURANCE COMPANY
Form 5500
FILING_RECEIVED
LINCOLN NATIONAL LIFE INSURANCE CO LIFE & HEALTH PLAN FOR RETIRED AGENTS
Health & welfare plan
Signals · 2
100% in single holding~639 bps in Sched C fees
Active participants
0
Accounts w/ balance
—
Plan assets (EOY)
$1.1M
Net assets (EOY)
$1.0M
How this plan invests
This plan
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
100
Participation health
90
Knocking points off
- Top holding "Principal Trust Company Collateralized Institutional Bank Deposit Account" is 100% of plan.
- 639 bps in Schedule C fees — 1128% above peer band of 52 bps.
- No active participants reported but plan still holds assets.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LINCOLN NATIONAL LIFE INSURANCE COMPANY.
Plan sponsor
Name
LINCOLN NATIONAL LIFE INSURANCE COMPANY
EIN
35-0472300
Address
150 N. RADNOR-CHESTER ROAD · RADNOR, PA · 19087
Phone
(484) 583-9094
Industry
Finance & Insurancesee all
Plan administrator
Name
LINCOLN NATIONAL CORPORATION BENEFITS COMMITTEE
EIN
35-1620788
City
RADNOR, PA
Phone
(484) 583-9094
Plan characteristics
Plan number
511
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
Audit & trust (Schedule H)
Auditor
CITRIN COOPERMAN & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAccountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CITRIN COOPERMAN | 22-2428965 | — | AUDITOR | $38K | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALIGHT | 36-2235791 | — | NONE | $20K | — |
| MERATIVE (FORMERLY IBM WATSON) | 53-0181291 | — | NONE | $8K | — |
| LINCOLN NATIONAL LIFE INSURANCE CO | 35-0472300 | — | SUBSIDIARY | $3K | — |
Investments
1 direct security· $1.1M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Trust Company Collateralized Institutional Bank Deposit Account | — | — | $1.1M | $1.1M | 99.3% |