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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $62,088 |
FROST BANK4 years Service code 27 · EIN 74-6036463 | Advisory (Plan) | $30,626 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $14,527 | $54,245-73.2% | $93,727-84.5% | $77,762-81.3% |
| Participation rate | 68.6% | 63.9%+4.6pp | 68.7%-0.1pp | 70.6%-2.0pp |
| Annual return | 12.42% | 30.58%-18.2pp | 133.83%-121.4pp | 31.27%-18.8pp |
| Employer contribution / active EE | $1,493 | $1,168+27.8% | $2,421-38.4% | $2,728-45.3% |
| Participant deferral / active EE | $1,565 | $3,144-50.2% | $4,417-64.6% | $4,651-66.4% |
| Admin fee / account holder | $124 | $575-78.4% | $8,292-98.5% | $433-71.3% |