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| Provider | Service type | Compensation |
|---|---|---|
EXTRACO BANKS4 years Service code 21 · EIN 74-0935612 3615 S. 31ST · TEMPLE, TX 76502 | Bank Trustee | $12,047 |
Service code 10 · EIN 74-2243906 1949 SCOTT BLVD · TEMPLE, TX 76504 | Accounting | $10,765 |
JULY BUSINESS SERVICES10+ years Service code 15 · EIN 74-2715820 PO BOX 2208 · WACO, TX 76703 | Recordkeeping | $7,217 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,056 | $77,472-53.5% | $100,415-64.1% | $80,959-55.5% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 9.91% | 37.26%-27.4pp | 49.47%-39.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,263 | $6,818-81.5% | $8,091-84.4% | $4,300-70.6% |
| Admin fee / account holder | $493 | $5,885-91.6% | $7,906-93.8% | $6,925-92.9% |