Cullen/Frost Bankers 401(k) and pension plans

Cullen/Frost Bankers, Inc., San Antonio, TX. EIN 74-1751768. Annual reports 2009–2024.

Cullen/Frost Bankers, Inc. has 2 active retirement plans on file. The largest is the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates, with 7,179 participants and $1.2 billion in assets in 2024. Fidelity has been its recordkeeper since 2019.

Active plans: 2
Participants: 9,492
Plan assets: $1.4 billion
401(k) recordkeeper: Fidelity
Plans on file: 3
Industry: Finance and insurance

All 3 plans

Active plans first

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

401(k) with ESOPActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 003Employer EIN 74-1751768
Participants (2024): 7,179
Net assets (2024): $1.2 billion
Recordkeeper: FidelityEarlier: MassMutual (2013–2018), Hartford Retirement Services (2009–2012)
Plan administrator: Compensation & Benefits Committee of Cullen/Frost Bankers, Inc.
P.O. Box 1600
San Antonio, TX 78296
(210) 220-4011As filed for 2024
In effect since: December 1, 1986

Plans merged into this one: Cullen/Frost Profit Sharing Plan (2018).

Earlier plan names: 401(k) Stock Purchase Plan for Ee'S of Cullen/ Frost Bankers, Inc. & Affiliates; 401(k) Stock Purchase Plan for Ee'S of Cullen/.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	7,179	$1.2 billion	Fidelity
2023	6,747	$1.0 billion	Fidelity
2022	6,190	$984 million	Fidelity
2021	5,774	$1.1 billion	Fidelity
2020	5,677	$953 million	Fidelity
2019	5,545	$901 million	Fidelity
2018	4,763	$776 million	MassMutual
2017	4,896	$674 million	MassMutual
2016	4,778	$613 million	MassMutual
2015	4,723	$490 million	MassMutual
2014	4,575	$513 million	MassMutual
2013	4,438	$508 million	MassMutual
2012	4,334	$395 million	Hartford Retirement Services
2011	4,285	$358 million	Hartford Retirement Services
2010	4,302	$381 million	Hartford Retirement Services
2009	4,889	$317 million	Hartford Retirement Services

Retirement Plan for Employees of Cullen/Frost Bankers, Inc. & Its Affiliates

Pension (defined benefit), frozenActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 002Employer EIN 74-1751768
Participants (2024): 2,313
Net assets (2024): $170 million
Administered by: Aon2019–2024
Plan administrator: Compensation and Benefits Committee of Cullen/Frost Bankers, Inc.
P.O. Box 1600, 111 West Houston Street
San Antonio, TX 78205
(210) 220-4011As filed for 2024
In effect since: December 1, 1986

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	2,313	$170 million	Aon
2023	2,378	$174 million	Aon
2022	2,447	$158 million	Aon
2021	2,506	$198 million	Aon
2020	2,553	$182 million	Aon
2019	2,595	$174 million	Aon
2018	2,628	$153 million	not listed
2017	2,655	$168 million	not listed
2016	2,891	$157 million	not listed
2015	3,300	$163 million	not listed
2014	3,426	$168 million	not listed
2013	3,435	$165 million	not listed
2012	3,445	$146 million	not listed
2011	3,453	$137 million	not listed
2010	3,457	$141 million	not listed
2009	3,482	$128 million	not listed

Cullen/Frost Profit Sharing Plan

Profit-sharing planMerged

Merged. In 2018 its assets moved to the 401(k) Stock Purchase Plan for Ee'S of Cullen/, sponsored by Cullen/Frost Bankers, Inc. (EIN 74-1751768, plan 003). Accounts moved with them, so that plan is the one to contact.

Plan number: 004Employer EIN 74-1751768
Participants (2017): 3,913
Net assets (2017): $160 million
Recordkeeper: MassMutualEarlier: Hartford Retirement Services (2009–2012)
Plan administrator: Compensation & Benefits Committee of Cullen/Frost Bankers, Inc.
P.O. Box 1600
San Antonio, TX 78296
(210) 220-4011As filed for 2018
In effect since: January 1, 2002

Year by year, 2009 to 2018

Plan year	Participants	Net assets	Recordkeeper
2018	0	$0	MassMutual
2017	3,913	$160 million	MassMutual
2016	3,919	$139 million	MassMutual
2015	3,693	$127 million	MassMutual
2014	3,605	$124 million	MassMutual
2013	3,591	$117 million	MassMutual
2012	3,534	$96.8 million	Hartford Retirement Services
2011	3,517	$81.9 million	Hartford Retirement Services
2010	3,587	$75.4 million	Hartford Retirement Services
2009	4,254	$70.5 million	Hartford Retirement Services

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the The 401(k) Stock Purchase Plan for Employees of Cullen/Frost Bankers, Inc. and Its Affiliates. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((210) 220-4011). That number was filed for 2024; ask for the benefits or retirement plan office.
If your plan was merged, your account moved with it. Follow the link on the plan to the plan it went into, and contact that one.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.