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| Provider | Service type | Compensation |
|---|---|---|
JULY BUSINESS SERVICES3 years Filed as: JULY BUSINESS SERVICES LLC Service code 15 400 AUSTIN AVE. · WACO, TX 76701 | Recordkeeping | $11,853 |
Service code 27 201 EAST LIBERTY, SUITE 22 · ANN ARBOR, MI 48104 | Advisory (Plan) | $5,379 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,331 | $40,278+52.3% | $80,648-24.0% | $80,169-23.5% |
| Participation rate | 2.6% | 47.5%-44.9pp | 67.0%-64.4pp | 72.9%-70.3pp |
| Annual return | 175.04% | 50.86%+124.2pp | 937.21%-762.2pp | 40.39%+134.6pp |
| Employer contribution / active EE | $0 | $1,332-100.0% | $2,724-100.0% | $2,978-100.0% |
| Participant deferral / active EE | $120 | $2,696-95.6% | $4,443-97.3% | $5,016-97.6% |
| Admin fee / account holder | $366 | $210+74.1% | $5,382-93.2% | $145+152.6% |