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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK4 years Service code 27 · EIN 74-6036463 | Advisory (Plan) | $50,195 |
PEGGY S. EDGE, CPA, LLC5 years Service code 10 · EIN 26-4527814 | Accounting | $5,905 |
Service code 37 · EIN 04-2647786 | Loan Processing | $206 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,040 | $104,479-1.4% | $159,474-35.4% | $79,391+29.8% |
| Participation rate | 84.4% | 76.6%+7.8pp | 82.8%+1.6pp | 70.7%+13.7pp |
| Annual return | 22.17% | 67.98%-45.8pp | 263.68%-241.5pp | 116.88%-94.7pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,831-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $10,325 | $6,468+59.6% | $7,353+40.4% | $4,046+155.2% |
| Admin fee / account holder | $348 | $711-51.1% | $10,802-96.8% | $627-44.5% |