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| Provider | Service type | Compensation |
|---|---|---|
JULY BUSINESS SERVICES6 years Service code 15 · EIN 74-2715820 P.O. BOX 2208 · WACO, TX 76703 | Recordkeeping | $41,665 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,930 | $60,454-35.6% | $81,844-52.4% | $74,459-47.7% |
| Participation rate | 61.0% | 63.0%-1.9pp | 72.4%-11.4pp | 67.2%-6.2pp |
| Annual return | 13.68% | 16.87%-3.2pp | 778.87%-765.2pp | 1369.70%-1356.0pp |
| Employer contribution / active EE | $3,180 | $2,630+20.9% | $2,916+9.0% | $2,626+21.1% |
| Participant deferral / active EE | $7,099 | $3,398+108.9% | $4,323+64.2% | $4,350+63.2% |
| Admin fee / account holder | $306 | $1,490-79.4% | $7,355-95.8% | $1,945-84.2% |