Filed October 22, 2025
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| Provider | Service type | Compensation |
|---|---|---|
PROSPERITY BANK3 years Service code 21 1401 AVENUE Q · LUBBOCK, TX 79401 | Bank Trustee | $41,913 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $11,723 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,084 | $79,223-16.6% | $102,460-35.5% | $74,478-11.3% |
| Participation rate | 57.9% | 74.8%-16.9pp | 76.5%-18.6pp | 67.2%-9.4pp |
| Annual return | 10.57% | 54.98%-44.4pp | 29.47%-18.9pp | 1370.56%-1360.0pp |
| Employer contribution / active EE | $813 | $2,363-65.6% | $3,025-73.1% | $2,626-69.1% |
| Participant deferral / active EE | $2,452 | $4,417-44.5% | $5,056-51.5% | $4,350-43.6% |
| Admin fee / account holder | $362 | $2,003-81.9% | $9,460-96.2% | $1,946-81.4% |