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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY4 years Service code 15 · EIN 42-0223620 | Recordkeeping | $41,712 |
JULY BUSINESS SERVICES1 year Filed as: JULY BUSINESS SERVICES LLC Service code 13 · EIN 74-2715820 P.O. BOX 2208 · WACO, TX 76703 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,245 | $61,391+27.5% | $149,723-47.7% | $71,529+9.4% |
| Participation rate | 59.2% | 62.5%-3.3pp | 78.8%-19.6pp | 67.9%-8.7pp |
| Annual return | 14.73% | 35.88%-21.1pp | 134.50%-119.8pp | 28.97%-14.2pp |
| Employer contribution / active EE | $2,123 | $2,384-10.9% | $4,821-56.0% | $2,590-18.0% |
| Participant deferral / active EE | $4,388 | $2,921+50.2% | $5,682-22.8% | $4,291+2.2% |
| Admin fee / account holder | $342 | $1,264-73.0% | $13,215-97.4% | $1,588-78.5% |