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| Provider | Service type | Compensation |
|---|---|---|
JULY BUSINESS SERVICES1 year Filed as: JULY BUSINESS SERVICES LLC Service code 15 · EIN 74-2715820 P.O. BOX 2208 · WACO, TX 76703 | Recordkeeping | $9,543 |
Service code 21 · EIN 42-1405748 1800 LARIMER, SUITE 1800 · DENVER, CO 80202 | Bank Trustee | $5,699 |
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 | $32,769 | $106,524-69.2% | $152,301-78.5% | $87,485-62.5% |
| Participation rate | 65.3% | 75.8%-10.5pp | 82.4%-17.2pp | 68.9%-3.7pp |
| Annual return | 9.70% | 26.89%-17.2pp | 80.50%-70.8pp | 26.06%-16.4pp |
| Employer contribution / active EE | $934 | $3,371-72.3% | $4,624-79.8% | $2,596-64.0% |
| Participant deferral / active EE | $974 | $6,525-85.1% | $8,004-87.8% | $4,274-77.2% |
| Admin fee / account holder | $330 | $8,287-96.0% | $14,398-97.7% | $7,775-95.8% |