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| Provider | Service type | Compensation |
|---|---|---|
TEXAS BANK AND TRUST4+ years Filed as: TEXAS BANK AND TRUST COMPANY Service code 15 · EIN 75-0962666 1800 NW LOOP 281 · LONGVIEW, TX 75604 | Recordkeeping | $34,649 |
Filed as: ARNOLD, WALKER, ARNOLD, & CO. PC Service code 10 · EIN 75-1423103 915 N JEFFERSON STREET · MT. PLEASANT, TX 75456 | Accounting | $8,900 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $88,766 | $42,548+108.6% | $74,552+19.1% | $56,287+57.7% |
| Participation rate | 46.9% | 60.5%-13.6pp | 69.1%-22.3pp | 69.9%-23.0pp |
| Annual return | -1.88% | 12.40%-14.3pp | 32.53%-34.4pp | -9.96%+8.1pp |
| Employer contribution / active EE | $585 | $855-31.6% | $1,961-70.2% | $2,111-72.3% |
| Participant deferral / active EE | $1,601 | $2,277-29.7% | $3,108-48.5% | $3,350-52.2% |
| Admin fee / account holder | $462 | $467-1.1% | $5,060-90.9% | $521-11.3% |