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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK1 year Filed as: FROST WEALTH ADVISORS Service code 27 111 WEST HOUSTON · SAN ANTONIO, TX 78205 | Advisory (Plan) | $10,714 |
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $8,855 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $17,304 | $46,332-62.7% | $143,799-88.0% | $64,819-73.3% |
| Participation rate | 48.8% | 64.2%-15.4pp | 80.3%-31.5pp | 71.5%-22.6pp |
| Annual return | -17.65% | -10.05%-7.6pp | -0.04%-17.6pp | 32.84%-50.5pp |
| Employer contribution / active EE | $1,138 | $1,911-40.5% | $4,952-77.0% | $2,507-54.6% |
| Participant deferral / active EE | $1,818 | $2,647-31.3% | $5,638-67.8% | $4,311-57.8% |
| Admin fee / account holder | $81 | $154-47.2% | $14,677-99.4% | $188-56.8% |