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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK1 year Service code 25 · EIN 74-0635455 | Directed Trustee | $3,912 |
Filed as: MASSMUTUAL RETIREMENT SERVICES, LLC Service code 15 · EIN 26-1589907 | Recordkeeping | $1,869 |
RELIANCE TRUST COMPANY1 year Service code 19 · EIN 58-1428634 | Securities Custodian | $132 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,700 | $64,909-23.4% | $82,312-39.6% | $62,293-20.2% |
| Participation rate | 98.3% | 74.9%+23.4pp | 76.9%+21.4pp | 69.5%+28.7pp |
| Annual return | 17.54% | 21.18%-3.6pp | 25.88%-8.3pp | 28.90%-11.4pp |
| Employer contribution / active EE | $300 | $1,676-82.1% | $2,428-87.6% | $2,042-85.3% |
| Participant deferral / active EE | $4,070 | $3,103+31.2% | $3,706+9.8% | $3,169+28.4% |
| Admin fee / account holder | $31 | $440-92.9% | $5,608-99.4% | $479-93.5% |