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Cullen/Frost Bankers 401(k) retirement plan: the investment options
Does your 401(k) vote the way you would? Fidelity 500 Index Fund is the largest fund in the Cullen/Frost Bankers plan that publishes its votes. Answer 3 of its ballots from this season, then see your result.
The question on the ballot
As filed
Cullen/Frost Bankers 401(k) match and balances, from the filing
- Company money in
- about $5,030 per active participant
- $30m in plan year 2024
- Employees saved
- about $7,000 each
- $42m in plan year 2024
- Average balance
- $174,300
- 6,967 people with a balance
- In the plan
- $1.21bn
- at the end of plan year 2024
Company money is the match plus any other employer contributions, averaged over all 5,979 active participants, including anyone who did not contribute. The filing reports dollars, not the match formula; the plan’s summary plan description states the formula.
SourceThe plan’s annual report to the Department of Labor — Form 5500, Schedule H, plan year 2024 · filed by CULLEN/FROST BANKERS, INC. as “THE 401(K) STOCK PURCHASE PLAN FOR EMPLOYEES OF CULLEN/FROST BANKERS, INC. AND ITS AFFILIATES” · EIN 741751768, plan number 003 · search the filings
These are the funds in the Cullen/Frost Bankers retirement plan whose voting records we can trace, taken from the plan’s own annual filing. The figures show what each one did with shareholder proposals.
SourceThe fund menu is the list of investments in Cullen/Frost Bankers’s own annual retirement-plan filing · open the filing
| Fund | Climate | Workers | Pay equity | Exec pay backed |
|---|---|---|---|---|
| Fidelity 500 Index Fund listed as “Fidelity 500 Index” | 0 of 66 | 0 of 20 | 0 of 6 | 96.8% |
| MFS Value Fund listed as “MFS Value Fund R6” | 1 of 13 | 0 of 3 | — | 100% |
| Fidelity Freedom Index 2035 Fund listed as “Fidelity Freedom Index 2035 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| T. Rowe Price Mid-Cap Growth Fund, Inc. listed as “T Rowe Price Mid Cap Growth Fund” | 0 of 1 | — | — | 93.5% |
| John Hancock Disciplined Value Mid Cap Fund listed as “John Hancock Disciplined Value Mid Cap Fund” | 1 of 3 | — | — | 91.7% |
| Fidelity Freedom Index 2030 Fund listed as “Fidelity Freedom Index 2030 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2040 Fund listed as “Fidelity Freedom Index 2040 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Small Cap Index Fund listed as “Fidelity Small Cap Index Fund” | 0 of 2 | 0 of 2 | 0 of 2 | 92.8% |
| Fidelity Freedom Index 2045 Fund listed as “Fidelity Freedom Index 2045 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2055 Fund listed as “Fidelity Freedom Index 2055 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2050 Fund listed as “Fidelity Freedom Index 2050 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2025 Fund listed as “Fidelity Freedom Index 2025 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2060 Fund listed as “Fidelity Freedom Index 2060 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2020 Fund listed as “Fidelity Freedom Index 2020 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Emerging Markets Index Fund listed as “Fidelity Emerging Markets Index” | — | — | — | 35.3% |
| Fidelity Freedom Index 2065 Fund listed as “Fidelity Freedom Index 2065 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Victory Sycamore Small Company Opportunity Fund listed as “Victory Sycamore Small Company Opportunity Fund” | — | — | — | 93.2% |
| Fidelity Freedom Index Retirement Fund listed as “Fidelity Freedom Index RET IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| American Beacon Stephens Small Cap Growth Fund listed as “American Beacon Stephens Small Cap Growth Fund R6” | — | — | — | 88.2% |
| Fidelity Freedom Index 2070 Fund listed as “Fidelity Freedom Index 2070 IPR” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
What this means for you
Most people are in whichever fund their plan made the default, and never look again. The figures above are the part nobody shows you when you pick: not the fee, not last year's return, but what the fund did with the shares your savings paid for.
Vote the full deck for this plan’s fund →
Other employer plans
The largest employer plans on the site, and a few more. Each page shows what the plan’s funds did with the shares its savers paid for.