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| Provider | Service type | Compensation |
|---|---|---|
FROST BANK2+ years Service code 27 · EIN 74-6036463 | Advisory (Plan) | $11,869 |
Service code 37 · EIN 04-2647786 | Loan Processing | $684 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $25,655 | $89,225-71.2% | $133,698-80.8% | $74,478-65.6% |
| Participation rate | 45.5% | 69.4%-24.0pp | 76.4%-31.0pp | 67.2%-21.8pp |
| Annual return | 18.10% | 22.76%-4.7pp | 580.90%-562.8pp | 1370.56%-1352.5pp |
| Employer contribution / active EE | $0 | $2,816-100.0% | $4,218-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,567 | $4,597-44.2% | $7,016-63.4% | $4,350-41.0% |
| Admin fee / account holder | $126 | $1,545-91.8% | $6,703-98.1% | $1,946-93.5% |