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| Provider | Service type | Compensation |
|---|---|---|
TEXAS BANK AND TRUST1+ years Service code 15 · EIN 75-0962666 | Recordkeeping | $25,763 |
Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $50 |
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.
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 | $68,632 | $78,670-12.8% | $109,173-37.1% | $85,847-20.1% |
| Participation rate | 53.4% | 68.3%-14.8pp | 75.9%-22.4pp | 69.3%-15.9pp |
| Annual return | 9.78% | 25.09%-15.3pp | 25.75%-16.0pp | 318.61%-308.8pp |
| Employer contribution / active EE | $1,633 | $2,734-40.3% | $3,723-56.1% | $2,565-36.4% |
| Participant deferral / active EE | $2,649 | $3,467-23.6% | $4,654-43.1% | $3,952-33.0% |
| Admin fee / account holder | $461 | $5,469-91.6% | $6,755-93.2% | $6,261-92.6% |