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Original filing (PDF)20251010134625NAL0018737602001
JULY BUSINESS SERVICES
Form 5500
FILING_RECEIVED
JULY POOLED EMPLOYER PLAN #1
401(k) retirement plan
Active participants
3,275
Accounts w/ balance
2,625
Plan assets (EOY)
$48.2M
Net assets (EOY)
$48.2M
How this plan invests
This plan
141 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 68 bps in Schedule C fees — 134% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for JULY BUSINESS SERVICES.
Plan sponsor
Name
JULY BUSINESS SERVICES
EIN
74-2715820
Address
P.O. BOX 2208 · WACO, TX · 76703
Phone
(888) 333-5859
Industry
Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
2W · Pooled employer plan (PEP)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HOLBROOK & MANTER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JULY BUSINESS SERVICES | 74-2715820 | — | RECORD KEEPER | $326K | — |
Investments
138 direct securities· $48.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity® 500 Index Institutional Prem Mutual Fund | — | — | — | $4.9M | 10.2% | |
| Dimensional 2045 Trgt-Ins Mutual Fund | — | — | — | $3.4M | 7.0% | |
| Dimensional 2040 Trgt-Ins Mutual Fund | — | — | — | $2.8M | 5.8% | |
| Dimensional 2055 Trgt-Ins Mutual Fund | — | — | — | $2.5M | 5.2% | |
| Dimensional 2050 Trgt-Ins Mutual Fund | — | — | — | $2.2M | 4.5% | |
| Dimensional 2065 Trgt-Ins Date Ret Inc Ins Mutual Fund | — | — | — | $1.8M | 3.8% | |
| Dimensional 2035 Trgt-Ins Mutual Fund | — | — | — | $1.8M | 3.7% | |
| Dimensional 2030 Trgt-Ins Mutual Fund | — | — | — | $1.5M | 3.1% | |
| Dimensional 2060 Trgt-Ins Mutual Fund | — | — | — | $1.4M | 3.0% | |
| Nuveen Core Plus BondFund Inst'l Mutual Fund | — | — | — | $1.3M | 2.8% | |
| Vanguard Value Index Adm Mutual Fund | — | — | — | $1.2M | 2.5% | |
| Fidelity® International Index InstlPrm Mutual Fund | — | — | — | $1.1M | 2.2% | |
| American Funds 2050 TrgtDate Retire R6 Mutual Fund | — | — | — | $973K | 2.0% | |
| Vanguard Mid Cap Index Admiral Mutual Fund | — | — | — | $925K | 1.9% | |
| Nuveen Core Plus BondFund Inst'l Mutual Fund | — | — | — | $886K | 1.8% | |
| American Funds 2045 TrgtDate Retire R6 Mutual Fund | — | — | — | $826K | 1.7% | |
| Fidelity® Government Cash Reserves Mutual Fund | — | — | — | $790K | 1.6% | |
| Nuveen Lifecycle 2035Fund R6 Mutual Fund | — | — | — | $743K | 1.5% | |
| Dimensional 2020 Trgt-Ins Mutual Fund | — | — | — | $718K | 1.5% | |
| American Funds 2040 TrgtDate Retire R6 Mutual Fund | — | — | — | $714K | 1.5% | |
| Vanguard 500 IndexAdmiral Mutual Fund | — | — | — | $706K | 1.5% | |
| Nuveen Lifecycle 2055Fund R6 Mutual Fund | — | — | — | $676K | 1.4% | |
| American Funds 2055 TrgtDate Retire R6 Mutual Fund | — | — | — | $664K | 1.4% | |
| Vanguard Small CapValue Index Admiral Mutual Fund | — | — | — | $573K | 1.2% | |
| Vanguard Federal Money Market Investor Mutual Fund | — | — | — | $570K | 1.2% | |
| Nuveen Lifecycle 2050Fund R6 Mutual Fund | — | — | — | $567K | 1.2% | |
| Columbia Small Cap IndexInst2 Mutual Fund | — | — | — | $489K | 1.0% | |
| American Funds 2060 TrgtDate Retire R6 Mutual Fund | — | — | — | $482K | 1.0% | |
| Nuveen Lifecycle 2060Fund R6 Mutual Fund | — | — | — | $456K | 0.9% | |
| With Various Maturities $-0- | — | — | — | $436K | 0.9% | |
| Vanguard TargetRetirement 2035 Inv Mutual Fund | — | — | — | $429K | 0.9% | |
| American Funds 2030 TrgtDate Retire R6 Mutual Fund | — | — | — | $424K | 0.9% | |
| American Funds 2035 TrgtDate Retire R6 Mutual Fund | — | — | — | $421K | 0.9% | |
| Nuveen Lifecycle 2045Fund R6 Mutual Fund | — | — | — | $420K | 0.9% | |
| Vanguard Total Stock MktIdx Adm Mutual Fund | — | — | — | $399K | 0.8% | |
| Dimensional 2025 Trgt-Ins Mutual Fund | — | — | — | $395K | 0.8% | |
| PIMCO Income Instl Mutual Fund | — | — | — | $375K | 0.8% | |
| American Funds NewWorld R6 Mutual Fund | — | — | — | $329K | 0.7% | |
| Vanguard Mid-Cap GrowthIndex Admiral Mutual Fund | — | — | — | $327K | 0.7% | |
| Nuveen Lifecycle 2040Fund R6 Mutual Fund | — | — | — | $323K | 0.7% | |
| Nuveen Lifecycle 2020Fund R6 Mutual Fund | — | — | — | $298K | 0.6% | |
| Vanguard TargetRetirement 2055 Inv Mutual Fund | — | — | — | $273K | 0.6% | |
| American Funds 2065 TrgtDate Retire R6 Mutual Fund | — | — | — | $270K | 0.6% | |
| CPS Managed Aggressive Mutual Fund | — | — | — | $249K | 0.5% | |
| Vanguard Explorer Adm Mutual Fund | — | — | — | $249K | 0.5% | |
| Tandem ModerateAggressive Portfolio Mutual Fund | — | — | — | $213K | 0.4% | |
| DFA US Vector Equity I Mutual Fund | — | — | — | $209K | 0.4% | |
| Tandem ModerateConservative Portfolio Mutual Fund | — | — | — | $202K | 0.4% | |
| Master Cash | — | — | — | $180K | 0.4% | |
| Vanguard TargetRetirement 2060 Inv Mutual Fund | — | — | — | $180K | 0.4% | |
| JPMorgan US Equity R6 Mutual Fund | — | — | — | $171K | 0.4% | |
| Vanguard TargetRetirement 2065 Inv Mutual Fund | — | — | — | $162K | 0.3% | |
| Dimensional 2015 Trgt-Ins Mutual Fund | — | — | — | $161K | 0.3% | |
| American Funds 2025 TrgtDate Retire R6 Mutual Fund | — | — | — | $143K | 0.3% | |
| Vanguard TargetRetirement 2045 Inv Mutual Fund | — | — | — | $142K | 0.3% | |
| Vanguard TargetRetirement 2050 Inv Mutual Fund | — | — | — | $136K | 0.3% | |
| CPS Managed Aggressive Mutual Fund | — | — | — | $134K | 0.3% | |
| Fidelity Advisor EquityGrowth Fund Z Mutual Fund | — | — | — | $134K | 0.3% | |
| Vanguard DevelopedMarkets Index Admiral Mutual Fund | — | — | — | $132K | 0.3% | |
| Nuveen Lifecycle 2030Fund R6 Mutual Fund | — | — | — | $127K | 0.3% | |
| Janus Henderson GlobalAllocation Gr I Mutual Fund | — | — | — | $120K | 0.2% | |
| Nuveen Lifecycle 2025Fund R6 Mutual Fund | — | — | — | $102K | 0.2% | |
| Fidelity® Mid-Cap Stock Mutual Fund | — | — | — | $97K | 0.2% | |
| T. Rowe Price GlobalMulti-Sector Bond Fund I Mutual Fund | — | — | — | $83K | 0.2% | |
| Vanguard Tax-ManagedBalanced Adm Mutual Fund | — | — | — | $82K | 0.2% | |
| Tandem ModerateConservative Portfolio Mutual Fund | — | — | — | $82K | 0.2% | |
| Vanguard TargetRetirement 2030 Inv Mutual Fund | — | — | — | $74K | 0.2% | |
| Fidelity® Mid Cap IndexInstl Prem Mutual Fund | — | — | — | $73K | 0.2% | |
| Vanguard TargetRetirement 2040 Inv Mutual Fund | — | — | — | $72K | 0.1% | |
| Nuveen Lifecycle 2015Fund R6 Mutual Fund | — | — | — | $66K | 0.1% | |
| Fidelity® Capital & Income Mutual Fund | — | — | — | $63K | 0.1% | |
| American Funds 2020 TrgtDate Retire R6 Mutual Fund | — | — | — | $63K | 0.1% | |
| DFA US Targeted Value I Mutual Fund | — | — | — | $62K | 0.1% | |
| PGIM Jen IntlOpportunities Cl R6 Mutual Fund | — | — | — | $61K | 0.1% | |
| CPS Managed Moderate Mutual Fund | — | — | — | $59K | 0.1% | |
| CPS Managed Moderate Mutual Fund | — | — | — | $58K | 0.1% | |
| Vanguard Short-TermFederal Adm Mutual Fund | — | — | — | $54K | 0.1% | |
| DFA International SmallCap Value I Mutual Fund | — | — | — | $52K | 0.1% | |
| AMG Frontier Small CpGr- Z Mutual Fund | — | — | — | $51K | 0.1% | |
| CPS Managed Moderate Mutual Fund | — | — | — | $45K | <0.1% | |
| T. Rowe Price GlobalStock I Mutual Fund | — | — | — | $42K | <0.1% | |
| Nuveen Lifecycle 2065Fund R6 Mutual Fund | — | — | — | $41K | <0.1% | |
| DFA Emerging MarketsSmall Cap I Mutual Fund | — | — | — | $38K | <0.1% | |
| CPS Managed Aggressive Mutual Fund | — | — | — | $36K | <0.1% | |
| CPS Managed Moderate Mutual Fund | — | — | — | $35K | <0.1% | |
| Great-West ConservativeProfile Instl Mutual Fund | — | — | — | $33K | <0.1% | |
| CPS Managed Low Risk Mutual Fund | — | — | — | $31K | <0.1% | |
| Vanguard LifeStrategyIncome Inv Mutual Fund | — | — | — | $31K | <0.1% | |
| Vanguard LifeStrategyModerate Gr Inv Mutual Fund | — | — | — | $31K | <0.1% | |
| Vanguard Emerging MktsStock Idx Adm Mutual Fund | — | — | — | $31K | <0.1% | |
| Fidelity Advisor Balanced Z Mutual Fund | — | — | — | $30K | <0.1% | |
| CPS Managed Aggressive Mutual Fund | — | — | — | $30K | <0.1% | |
| Dodge & Cox IncomeFund X Mutual Fund | — | — | — | $29K | <0.1% | |
| Janus HendersonBalanced I Mutual Fund | — | — | — | $26K | <0.1% | |
| CPS Managed Moderate Mutual Fund | — | — | — | $25K | <0.1% | |
| Putnam Small Cap GrowthR6 Mutual Fund | — | — | — | $24K | <0.1% | |
| Vanguard Intermediate Term Treasury Index Mutual Fund | — | — | — | $23K | <0.1% | |
| AB Large Cap GrowthFund Z Mutual Fund | — | — | — | $22K | <0.1% | |
| MFS® InternationalGrowth Fund R6 Mutual Fund | — | — | — | $21K | <0.1% | |
| Tandem Moderate Portfolio Mutual Fund | — | — | — | $18K | <0.1% | |
| Vanguard TargetRetirement Income Inv Mutual Fund | — | — | — | $18K | <0.1% | |
| BNY Mellon DynamicValue Fund - Cl Y Mutual Fund | — | — | — | $18K | <0.1% | |
| Invesco Value Opport Fd-Y Mutual Fund | — | — | — | $17K | <0.1% | |
| Cohen & Steers RealEstate - Z Mutual Fund | — | — | — | $16K | <0.1% | |
| Vanguard TargetRetirement 2025 Inv Mutual Fund | — | — | — | $15K | <0.1% | |
| DFA Short-Term ExtendedQuality I Mutual Fund | — | — | — | $14K | <0.1% | |
| Tandem Moderate Portfolio Mutual Fund | — | — | — | $14K | <0.1% | |
| Vanguard Total BondMarket Index Adm Mutual Fund | — | — | — | $13K | <0.1% | |
| Nuveen Quant Small/MidCap Equity Fund R6 Mutual Fund | — | — | — | $13K | <0.1% | |
| CPS Managed Low Risk Mutual Fund | — | — | — | $12K | <0.1% | |
| Neuberger Berman LargeCap Value R6 Mutual Fund | — | — | — | $12K | <0.1% | |
| Dimensional Retire Inc-Ins Mutual Fund | — | — | — | $12K | <0.1% | |
| Bridgeway Small-CapValue Mutual Fund | — | — | — | $12K | <0.1% | |
| Tandem ModerateAggressive Portfolio Mutual Fund | — | — | — | $10K | <0.1% | |
| Vanguard Shrt-TermInfl-Prot Sec Idx Adm Mutual Fund | — | — | — | $9K | <0.1% | |
| State St Hedged Intl Dev-K Mutual Fund | — | — | — | $7K | <0.1% | |
| Calamos Growth & IncomeCl I Mutual Fund | — | — | — | $7K | <0.1% | |
| Putnam InternationalValue R6 Mutual Fund | — | — | — | $7K | <0.1% | |
| Schwab Fundamental International Equity Index Mutual Fund | — | — | — | $7K | <0.1% | |
| American US GovtSecurities R6 Mutual Fund | — | — | — | $7K | <0.1% | |
| Federated Hermes MDTMid Cap Growth R6 Mutual Fund | — | — | — | $7K | <0.1% | |
| BlackRock High Yield K Mutual Fund | — | — | — | $6K | <0.1% | |
| Vanguard InformationTechnology Idx Adm Mutual Fund | — | — | — | $6K | <0.1% | |
| Fidelity Advisor Intl SmallCap Z Mutual Fund | — | — | — | $6K | <0.1% | |
| Vanguard Small CapGrowth Index Admiral Mutual Fund | — | — | — | $5K | <0.1% | |
| Vanguard Interm-TermBond Index Adm Mutual Fund | — | — | — | $5K | <0.1% | |
| Lord Abbett Shrt DurInc-R6 Mutual Fund | — | — | — | $5K | <0.1% | |
| Vanguard ConsumerStaples Index Admiral Mutual Fund | — | — | — | $5K | <0.1% | |
| Fidelity® Small Cap IndexInstl Prem Mutual Fund | — | — | — | $4K | <0.1% | |
| Vanguard Health CareIndex Admiral Mutual Fund | — | — | — | $4K | <0.1% | |
| Tandem ModerateAggressive Portfolio Mutual Fund | — | — | — | $4K | <0.1% | |
| Nuveen Lifecycle 2010Fund R6 Mutual Fund | — | — | — | $3K | <0.1% | |
| Lord Abbett BndDebentur-R6 Mutual Fund | — | — | — | $3K | <0.1% | |
| DFA Short-Duration RealReturn Instl Mutual Fund | — | — | — | $2K | <0.1% | |
| Vanguard Balanced IndexAdm Mutual Fund | — | — | — | $2K | <0.1% | |
| Tandem ModerateAggressive Portfolio Mutual Fund | — | — | — | $2K | <0.1% | |
| Vanguard TargetRetirement 2020 Inv Mutual Fund | — | — | — | $1K | <0.1% | |
| Fidelity® EmergingMarkets Idx Instl Prm Mutual Fund | — | — | — | $1K | <0.1% |
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