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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 201 EAST LIBERTY, SUITE 22 · ANN ARBOR, MI 48104 | Advisory (Plan) | $12,855 |
JULY BUSINESS SERVICES1 year Filed as: JULY BUSINESS SERVICES LLC Service code 15 400 AUSTIN AVE. · WACO, TX 76701 | Recordkeeping | $10,126 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,309 | $45,719-40.3% | $96,192-71.6% | $93,010-70.6% |
| Participation rate | 2.7% | 45.8%-43.2pp | 68.4%-65.8pp | 73.9%-71.2pp |
| Annual return | 11.55% | 3211.95%-3200.4pp | 192.09%-180.5pp | 158.70%-147.2pp |
| Employer contribution / active EE | $0 | $1,139-100.0% | $2,799-100.0% | $2,705-100.0% |
| Participant deferral / active EE | $109 | $2,344-95.3% | $4,351-97.5% | $4,561-97.6% |
| Admin fee / account holder | $214 | $128+67.4% | $5,539-96.1% | $152+41.3% |