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| Provider | Service type | Compensation |
|---|---|---|
TEXAS REGIONAL BANK2 years Service code 26 · EIN 74-2440392 | Advisory (Participants) | $36,757 |
AMERITAS LIFE INSURANCE CORP2 years Service code 12 · EIN 47-0098400 | Participant communication; Contract A... | $22,830 |
Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,799 |
MATRIX TRUST COMPANY5 years Service code 19 | Securities Custodian | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,768 | $71,215-34.3% | $93,696-50.1% | $80,935-42.2% |
| Participation rate | 76.2% | 60.4%+15.8pp | 68.7%+7.5pp | 67.7%+8.5pp |
| Annual return | 8.22% | 11.27%-3.1pp | 133.74%-125.5pp | 35.66%-27.4pp |
| Employer contribution / active EE | $553 | $1,565-64.7% | $2,422-77.2% | $2,757-80.0% |
| Participant deferral / active EE | $3,751 | $4,037-7.1% | $4,417-15.1% | $4,299-12.8% |
| Admin fee / account holder | $503 | $6,958-92.8% | $8,287-93.9% | $6,924-92.7% |