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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY6 years Service code 15 · EIN 42-0223620 | Recordkeeping | $26,885 |
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 | $15,861 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,069 | $101,672-39.0% | $147,117-57.8% | $74,478-16.7% |
| Participation rate | 28.3% | 75.5%-47.2pp | 82.2%-53.9pp | 67.2%-38.9pp |
| Annual return | 10.80% | 8757.83%-8747.0pp | 420.54%-409.7pp | 1370.56%-1359.8pp |
| Employer contribution / active EE | $977 | $3,813-74.4% | $4,932-80.2% | $2,626-62.8% |
| Participant deferral / active EE | $2,971 | $7,305-59.3% | $8,065-63.2% | $4,350-31.7% |
| Admin fee / account holder | $446 | $1,753-74.5% | $12,993-96.6% | $1,946-77.1% |