Original filing (PDF)20251010135725NAL0004680627001

JULY BUSINESS SERVICES

Name: JULY BUSINESS SERVICES — JULY POOLED EMPLOYER PLAN #3, Form 5500 (2024)
Creator: JULY BUSINESS SERVICES

Form 5500

FILING_RECEIVED

JULY POOLED EMPLOYER PLAN #3

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

705

Accounts w/ balance

658

Plan assets (EOY)

$12.9M

Net assets (EOY)

$12.9M

How this plan invests

This plan

46 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

Participation health

100

Knocking points off

73 bps in Schedule C fees — 151% above peer band of 29 bps.
No recordkeeper disclosed on Schedule C.

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

400 AUSTIN AVENUE, SUITE 1200 · WACO, TX · 76701

Phone

(254) 299-6003

Industry

Professional & Technical Servicessee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

004

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 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
JULY BUSINESS SERVICES	74-2715820	—	RECORD-KEEPER	$94K	—

Investments

46 direct securities· $12.9M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Dimensional 2050 Trgt-Ins Mutual Fund	—	—	—	$1.7M	13.3%
Fidelity 500 Index Mutual Fund	—	—	—	$1.6M	12.5%
Dimensional 2065 Trgt-Ins Mutual Fund	—	—	—	$1.3M	9.8%
Dimensional 2040 Trgt-Ins Mutual Fund	—	—	—	$1.3M	9.8%
Dimensional 2045 Trgt-Ins Mutual Fund	—	—	—	$952K	7.4%
Dimensional 2030 Trgt-Ins Mutual Fund	—	—	—	$939K	7.3%
Dimensional 2055 Trgt-Ins Mutual Fund	—	—	—	$788K	6.1%
Dimensional 2060 Trgt-Ins Mutual Fund	—	—	—	$656K	5.1%
Dimensional 2035 Trgt-Ins Mutual Fund	—	—	—	$454K	3.5%
Nuveen Large Cap, Growth Index Fund R6 Class Mutual Fund	—	—	—	$410K	3.2%
Dimensional 2025 Trgt-Ins Mutual Fund	—	—	—	$361K	2.8%
Dimensional 2020 Trgt-Ins Mutual Fund	—	—	—	$353K	2.7%
Fidelity International Index Mutual Fund	—	—	—	$283K	2.2%
Vanguard Small Cap Value Index Admiral Mutual Fund	—	—	—	$236K	1.8%
Nuveen Lifecycle Fund 2020 Ins Mutual Fund	—	—	—	$212K	1.6%
Nuveen Core Plus Bond Fund R6 Class Mutual Fund	—	—	—	$178K	1.4%
Nuveen Lifecycle Fund 2045 Ins Mutual Fund	—	—	—	$170K	1.3%
Vanguard Mid-Cap Growth Index Admiral Mutual Fund	—	—	—	$161K	1.2%
Vanguard Value Index Adm Mutual Fund	—	—	—	$141K	1.1%
American Funds New World Fund Class R6 Mutual Fund	—	—	—	$106K	0.8%
Vanguard Mid-Cap Index Admiral Mutual Fund	—	—	—	$102K	0.8%
Columbia Small Cap Index Inst2 Mutual Fund	—	—	—	$93K	0.7%
PIMCO Income Fund Institutional Class Mutual Fund	—	—	—	$90K	0.7%
With Various Maturities	—	—	—	$47K	0.4%
Nuveen Lifecycle Fund 2055 Ins Mutual Fund	—	—	—	$46K	0.4%
Vanguard Explorer Admiral Mutual Fund	—	—	—	$42K	0.3%
Nuveen Lifecycle Fund 2050 Ins Mutual Fund	—	—	—	$35K	0.3%
DFA US Vector Equity Portfolio Inst Mutual Fund	—	—	—	$28K	0.2%
Dimensional 2010 Trgt-Ins Mutual Fund	—	—	—	$25K	0.2%
Nuveen Lifecycle Fund 2025 Ins Mutual Fund	—	—	—	$15K	0.1%
Nuveen Lifecycle Fund 2040 Ins Mutual Fund	—	—	—	$13K	0.1%
Dimensional 2015 Trgt-Ins Mutual Fund	—	—	—	$13K	<0.1%
Nuveen Lifecycle Fund 2030 Ins Mutual Fund	—	—	—	$13K	<0.1%
Dimensional Retirement Income Fund Inst Mutual Fund	—	—	—	$11K	<0.1%
Nuveen Lifecycle Fund 2065 Ins Mutual Fund	—	—	—	$10K	<0.1%
Tandem Moderate Portfolio Strategy Mutual Fund	—	—	—	$9K	<0.1%
Nuveen Lifecycle Fund 2035 Ins Mutual Fund	—	—	—	$8K	<0.1%
Tandem Moderate Aggressive Portfolio Mutual Fund	—	—	—	$7K	<0.1%
Janus Henderson Balance Fund Class I Mutual Fund	—	—	—	$7K	<0.1%
American Funds 2030 Traget Date Ret Fnd R6 Mutual Fund	—	—	—	$4K	<0.1%
American Funds 2015 Traget Date Ret Fnd R6 Mutual Fund	—	—	—	$2K	<0.1%
Janus Henderson Global Allocation- Growth I Mutual Fund	—	—	—	$2K	<0.1%
American Funds 2035 Traget Date Ret Fnd R6 Mutual Fund	—	—	—	$2K	<0.1%
Vanguard Target Retirement 2035 Fund Mutual Fund	—	—	—	$2K	<0.1%
Fidelity Emerging Market Idx Mutual Fund	—	—	—	$1K	<0.1%
American Funds 2045 Traget Date Ret Fnd R6 Mutual Fund	—	—	—	$1K	<0.1%