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| Provider | Service type | Compensation |
|---|---|---|
TEXAS BANK AND TRUST3+ years Filed as: TEXAS BANK AND TRUST COMPANY Service code 15 · EIN 75-0962666 1800 NW LOOP 281 · LONGVIEW, TX 75604 | Recordkeeping | $22,200 |
Filed as: ARNOLD, WALKER, ARNOLD, & CO. PC Service code 10 · EIN 75-1423103 915 N JEFFERSON STREET · MT. PLEASANT, TX 75456 | Accounting | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $94,335 | $51,466+83.3% | $78,778+19.7% | $62,293+51.4% |
| Participation rate | 44.4% | 59.8%-15.3pp | 69.2%-24.7pp | 69.5%-25.1pp |
| Annual return | 8.53% | 19.96%-11.4pp | 35.62%-27.1pp | 28.90%-20.4pp |
| Employer contribution / active EE | $410 | $827-50.4% | $1,986-79.4% | $2,042-79.9% |
| Participant deferral / active EE | $1,447 | $2,147-32.6% | $2,958-51.1% | $3,169-54.3% |
| Admin fee / account holder | $313 | $489-36.1% | $5,134-93.9% | $479-34.8% |