Plan Snapshot
- Plan Sponsor: Cullen/Frost Bankers, INC.
- Sponsor EIN: 741751768
- Sponsor Address: P.O. BOX 1600, SAN ANTONIO, TX, 78205
- Plan Type: DB
- Total Participants: 480
- Total Assets: $169.7M
Key Plan Design Features
- Auto-Enrollment: No
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: No
- ERISA Section 404(c) Fiduciary Safe Harbor: No
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 480 | $169.7M | $0 | $0 |
| 2023 | 527 | $174.6M | $0 | $0 |
| 2022 | 592 | $158.2M | $0 | $0 |
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 |
|---|---|---|---|---|
| FROST BANK | PLAN SPONSOR | $518,299 | — | $518,299 |
| AON CONSULTING | NONE | $287,102 | — | $287,102 |
| ERNST & YOUNG LLP | NONE | $45,300 | — | $45,300 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- AON CONSULTING — NONE
- ERNST & YOUNG LLP — NONE
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $850,701
- Estimated Expense Ratio: 0.501% 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 | $1,133,605 | — | — | $45,300 | — |
| 2023 | $1,033,884 | — | — | $41,000 | — |
| 2022 | $1,006,936 | — | — | — | $246,142 |