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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $40,395 |
FROST BANK1 year Service code 27 · EIN 74-6036463 | Advisory (Plan) | $19,197 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,070 | $50,956-68.5% | $96,572-83.4% | $86,821-81.5% |
| Participation rate | 65.4% | 65.2%+0.2pp | 69.8%-4.4pp | 72.3%-6.9pp |
| Annual return | 13.96% | 21.27%-7.3pp | 37.79%-23.8pp | 97.94%-84.0pp |
| Employer contribution / active EE | $1,560 | $1,111+40.4% | $2,357-33.8% | $2,406-35.2% |
| Participant deferral / active EE | $1,799 | $2,954-39.1% | $3,850-53.3% | $4,132-56.5% |
| Admin fee / account holder | $111 | $166-32.9% | $6,183-98.2% | $170-34.3% |