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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK5 years Service code 27 · EIN 74-6036463 | Advisory (Plan) | $53,065 |
Service code 37 · EIN 04-2647786 | Loan Processing | $88 |
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.
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 | $81,948 | $84,499-3.0% | $125,391-34.6% | $66,949+22.4% |
| Participation rate | 74.8% | 76.4%-1.6pp | 82.4%-7.6pp | 69.8%+5.0pp |
| Annual return | -18.33% | -8.49%-9.8pp | 572.41%-590.7pp | 1.57%-19.9pp |
| Employer contribution / active EE | $1,807 | $3,554-49.2% | $4,816-62.5% | $2,545-29.0% |
| Participant deferral / active EE | $9,566 | $6,785+41.0% | $7,448+28.4% | $4,239+125.7% |
| Admin fee / account holder | $325 | $685-52.5% | $10,009-96.7% | $594-45.2% |