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| Provider | Service type | Compensation |
|---|---|---|
FNB WEALTH MANAGEMENT2+ years Filed as: FNB - TEMPLE (EXTRACO) Service code 21 · EIN 74-0935612 18 SOUTH MAIN ST · TEMPLE, TX 76501 | Bank Trustee | $22,539 |
Filed as: LUDWICK,TEMPLIN,MONTGOMERY,STAPP Service code 10 · EIN 74-2243906 1949 SCOTT BLVD · TEMPLE, TX 76504 | Accounting | $9,060 |
JULY BUSINESS SERVICES2+ years Service code 15 · EIN 74-2715820 PO BOX 2208 · WACO, TX 76703 | Recordkeeping | $7,682 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,387 | $51,244-29.0% | $80,977-55.1% | $55,167-34.0% |
| Participation rate | 76.3% | 71.7%+4.6pp | 75.8%+0.4pp | 69.0%+7.3pp |
| Annual return | 2.85% | 17.39%-14.5pp | 17.11%-14.3pp | 169.23%-166.4pp |
| Employer contribution / active EE | $58 | $1,770-96.7% | $3,715-98.4% | $1,963-97.0% |
| Participant deferral / active EE | $821 | $4,418-81.4% | $5,696-85.6% | $3,054-73.1% |
| Admin fee / account holder | $344 | $398-13.6% | $5,517-93.8% | $504-31.8% |