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| Provider | Service type | Compensation |
|---|---|---|
LEGACY TEXAS WEALTH ADVISORS2 years Service code 26 · EIN 20-4155219 100 N. CENTRAL EXPRESSWAY · RICHARDSON, TX 75080 | Advisory (Participants) | $20,196 |
JULY BUSINESS SERVICES7+ years Service code 15 P.O. BOX 2208 · WACO, TX 76703 | Recordkeeping | $5,166 |
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.)
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 | $93,295 | $59,220+57.5% | $96,570-3.4% | $79,391+17.5% |
| Participation rate | 35.3% | 61.9%-26.6pp | 69.8%-34.5pp | 70.7%-35.4pp |
| Annual return | 17.85% | 27.08%-9.2pp | 37.79%-19.9pp | 116.88%-99.0pp |
| Employer contribution / active EE | $327 | $1,216-73.1% | $2,357-86.1% | $2,428-86.5% |
| Participant deferral / active EE | $1,364 | $2,948-53.7% | $3,849-64.6% | $4,046-66.3% |
| Admin fee / account holder | $373 | $659-43.4% | $6,182-94.0% | $627-40.5% |