401(k) · DOL Form 5500 · 2022

Cullen/Frost Bankers, Inc. 401(k) Plan

Data updated 2026-08-25

$984M
Total assets Above avg plan size
4,584
Participants Above avg headcount
99th
Percentile by assets National rank
$214,639
Avg per participant Above avg balance/head
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Official DOL plan name: The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates · Sponsored by Cullen/Frost Bankers, Inc. · Texas · Finance & Insurance

$984M in assets, 4,584 participants

Cullen/Frost Bankers, Inc.'s The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates reported $984M in total assets and 4,584 participants in its 2022 DOL Form 5500 filing, ranking in the 99th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #9,054 in Finance & Insurance (9,261 peers)

Coverage in Texas

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates covers 4,584 participants in Texas, 6.7x the typical Texas plan (state average ~688 per filing). Assets: $984M.

#9,054
in Finance & Insurance (9,261 peers)
-12.0%
assets change YoY
9.9×
vs typical plan assets (national mean)

The plan reported a net loss of $134M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates's outsized position by total assets

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$983,905,148 Top 1% higher than 99% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates's large-plan peer group by participant headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates lands in the large band (4,584 participants).

DOL schedule card

Filing strip 741751768 · Cullen/Frost Bankers, Inc. PY 2022 · 401(k)

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates · $984M · 4,584 · 99th

  • BOY $984M
  • BOY 4,584
  • BOY 99th
  • BOY 401(k)
  • BOY near Conduent Savings Plan
  • BOY ind #9054

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Texas →

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates in the asset neighbourhood

Baystate Health, Inc Retirement PlanBaystate Health, Inc Retirem…$987MDst Systems, Inc. 401(k) Profit Sharing PlanDst Systems, Inc. 401(k) Pro…$987MThe 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its AffiliatesThe 401(k) Stock Purchase Pl…$984MConduent Savings Plan$983MThe Waters Employee Investment PlanThe Waters Employee Investme…$982M
End-of-year total assets ($M) among The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

Texas filing particulars

Total Assets (Beginning of Year)$1.1B
Net Assets (End of Year)$984M
Net Income-$134M
Employer EIN741751768
Plan Effective Date1986-12-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Cullen/Frost Bankers, Inc.)

Sponsor-wide plan assets over time

All Cullen/Frost Bankers, Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$1.4B 21.184736104452774% vs 2022
2024 filing year
$1.1B$1.2B$1.3B$1.4B$1.5B 202220232024 $1.14B $1.38B ▲ +21.1%
Year Plans Participants Total Assets
2022 2 5,240 $1.1B
2023 2 5,598 $1.2B
2024 2 6,097 $1.4B

Nearby 401(k) Plans in Texas

Peer 401(k) plans, same state, same plan type, ranked by total assets.

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates vs. nearby 401(k) plans in Texas, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000200000 -10010203040 Total assets ($B) Participants The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates, Total assets ($B): 0.983905148 · Participants: 4584The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its AffiliatesAT&T Retirement Savings Plan, Total assets ($B): 37.578871 · Participants: 144503AT&T Retirement Savings PlanExxonmobil Savings Plan, Total assets ($B): 21.266 · Participants: 23619Exxonmobil Savings PlanCaterpillar 401(k) Savings Plan, Total assets ($B): 13.794958016 · Participants: 38538Caterpillar 401(k) Savings PlanAmerican Airlines, Inc. 401(k) Plan, Total assets ($B): 12.806443202 · Participants: 85577American Airlines, Inc. 401(k) PlanDell Inc. 401(k) Plan, Total assets ($B): 11.969059 · Participants: 47532Dell Inc. 401(k) Plan
The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates vs. nearby 401(k) plans in Texas, assets vs. participants

The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates's out-of-state 401(k) peers by assets and headcount

Outside Texas, the nearest 401(k) by assets is Conduent Savings Plan in NJ ($983M); by covered participants it is Amphenol Corporation Employee Savings/401(k) Plan in CT (4,584 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($984M here).

Similar participant headcount

Nearest other-state filings by covered participants (4,584 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates assets move in 2022? ▼
The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates pulled back noticeably - down 12.0% during 2022, from $1.1B to $984M. Reported net income was -$134M.
How have Cullen/Frost Bankers, Inc. plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Cullen/Frost Bankers, Inc.'s sponsor-wide assets grew 21.2%, from $1.1B to $1.4B.
Where does The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates rank by assets among Form 5500 filers? ▼
The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates ranks in the 99th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (among the largest 1% of all filed plans).
Which 401(k) plans are similar in size to The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates? ▼
Among 401(k) plans in other states, the closest by assets is Conduent Savings Plan in NJ ($983M, 22,932 participants).
Which 401(k) plans cover a similar participant headcount to The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates? ▼
Among 401(k) plans in other states, the closest by covered participants is Amphenol Corporation Employee Savings/401(k) Plan in CT (4,584 participants, $561M in assets).