Plan Ledger DOL Form 5500 · updated monthly

Cornerstone Capital Bank401(k)

CORNERSTONE CAPITAL BANK, SSB 401(K) PLAN · HOUSTON, TX · plan year 2024

Reported admin expense ratio · 2024
0.19%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Cornerstone Capital Bank reported $246,577 in plan administrative expenses for 2024: 0.19% of average plan assets, above the peer median. Employer contributions averaged $1,164 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio fell from 0.20% to 0.19%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other finance & insurance employers. By assets it is the 506th-largest of 5,688 plans among Texas employers on file, and the 790th of 4,798 in finance & insurance. In 2024, employees put in $5.01 for every $1.00 the employer contributed; active participation has shrunk from 1,693 to 1,434 since 2022.

Plan summary
Net assets, end of year$136,200,838
Participants with balances1,274
Active participants1,434
Employer contributions$1,669,137
Employee contributions$8,358,032
Employer contribution per active participant$1,164
Average account balance$106,908
Benefits paid to participants$14,352,645
Plan auditUnmodified (clean) audit opinion
AuditorRICHEY MAY & CO
Plan history3
Yearassets · accounts · employer contribution
2024$136.2M · 1,274 accts · $1.7M emplr
2023$123.9M · 1,338 accts · $2.2M emplr
2022$110.5M · 1,542 accts · $2.7M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$136,608
Investment management$109,969
Total administrative$246,577
The Cornerstone Capital Bank 401(k) match · 2024
Employer contribution per active participant$1,164
Median for plans this size$3,635
2024$1,164 per active participant
2023$1,539 per active participant
2022$1,622 per active participant

Cornerstone Capital Bank's 2024 employer contribution ran below the $3,635 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20243
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$138,224
COMMERCE STREET INVESTMENT ADVISOR · Investment advisory (plan)$109,969
WEALTH MANAGEMENT SYSTEMS INC · Other servicesindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$246,577 · 0.19%
2023$242,019 · 0.21%
2022$233,899 · 0.20%
Same employer
Similar plansFinance & Insurance · Texas
Crow Family, Inc. TX$164.2M · 0.05%
Stellar Bank TX$149.8M · 0.17%
Independent Bank TX$143.0M · 0.11%
Bepco, L.P. TX$123.0M · 0.10%
Broadway Bancshares, Inc. TX$120.9M · 0.16%
Amarillo National Bank TX$118.5M · 0.17%

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Source: U.S. Department of Labor, Form 5500 series, EIN 760236067 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.