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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK8+ years Filed as: FROST NATIONAL BANK Service code 21 · EIN 74-6036463 | Bank Trustee | $36,362 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $31,199 |
BMO HARRIS BANK NA7 years Filed as: BMO HARRIS BANK, NA Service code 19 | Securities Custodian | $0 |
MATRIX TRUST COMPANY2 years Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
MATRIX TRUST COMPANY1 year Filed as: MSCS FIN SERVICES DIV OF BROADRIDGE Service code 59 · EIN 33-1151291 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $170,087 | $82,678+105.7% | $125,391+35.6% | $68,490+148.3% |
| Participation rate | 78.4% | 75.1%+3.3pp | 82.4%-4.0pp | 67.9%+10.5pp |
| Annual return | -12.34% | -5.97%-6.4pp | 572.41%-584.8pp | -7.85%-4.5pp |
| Employer contribution / active EE | $4,359 | $3,382+28.9% | $4,816-9.5% | $2,597+67.9% |
| Participant deferral / active EE | $4,160 | $6,111-31.9% | $7,448-44.1% | $4,028+3.3% |
| Admin fee / account holder | $543 | $6,277-91.3% | $10,009-94.6% | $5,403-89.9% |