# Cullen/Frost Bankers, INC. 401(k) Plan
Source: https://planprovider.pro/companies/cullen-frost-bankers-inc-401k-plan

> Cullen/Frost Bankers, INC.'s 401(k) plan: 5,979 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Cullen/Frost Bankers, INC.

- **Sponsor EIN:** 741751768

- **Sponsor Address:** 111 W. HOUSTON ST., SAN ANTONIO, TX, 78205

- **Plan Type:** 401(k)

- **Total Participants:** 5,979

- **Total Assets:** $1.2B

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|5,979|$1.2B|$30.1M|$41.9M|

| 2023|5,570|$1.0B|$31.9M|$37.2M|

| 2022|5,006|$983.9M|$27.7M|$31.9M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| FIDELITY INVESTMENTS INSTITUTIONAL|RECORDKEEPER|$471,256|—|$471,256|

| STRATEGIC ADVISORS, INC.|ADVISOR|$57,295|—|$57,295|

| AON CONSULTING, INC.|PLAN SPONSOR|$9,833|—|$9,833|

| ERNST & YOUNG|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [FIDELITY INVESTMENTS INSTITUTIONAL](https://planprovider.pro/provider/fidelity-investments) — RECORDKEEPER

- [STRATEGIC ADVISORS, INC.](https://planprovider.pro/provider/creative-planning) — ADVISOR

- [AON CONSULTING, INC.](https://planprovider.pro/provider/alight-solutions) — PLAN SPONSOR

- [ERNST & YOUNG](https://planprovider.pro/provider/ernst-and-young-llp) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $538,384

- **Estimated Expense Ratio:** 0.044% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$539,266|$57,295|$3,600|—|—|

| 2023|$299,948|$33,805|$2,400|—|—|

| 2022|$292,807|$15,286|—|—|—|

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[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/cullen-frost-bankers-inc-401k-plan)

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