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| Provider | Service type | Compensation |
|---|---|---|
EXTRACO BANKS5 years Service code 21 · EIN 74-0935612 3615 S. 31ST · TEMPLE, TX 76502 | Bank Trustee | $11,627 |
LUDWICK,MONTGOMERY,STAPP&COWAN P.C.1 year Service code 10 · EIN 74-2243906 1949 SCOTT BLVD · TEMPLE, TX 76504 | Accounting | $11,105 |
JULY BUSINESS SERVICES11+ years Service code 15 · EIN 74-2715820 PO BOX 2208 · WACO, TX 76703 | Recordkeeping | $6,806 |
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.
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 | $37,285 | $78,520-52.5% | $96,576-61.4% | $82,448-54.8% |
| Participation rate | 60.3% | 77.7%-17.4pp | 81.4%-21.1pp | 68.1%-7.8pp |
| Annual return | 7.21% | 41.30%-34.1pp | 38.47%-31.3pp | 41.64%-34.4pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $822 | $6,754-87.8% | $7,956-89.7% | $4,139-80.1% |
| Admin fee / account holder | $454 | $13,455-96.6% | $11,381-96.0% | $7,234-93.7% |