what do I do with my girlfriend since she wont do anything with me?

me and my girlfriend have been together almost a year(we broke up for a short period of time but worked things out and are stronger now). I am 20 she is 19 and we are both virgins. we live 2.5 hours away from each other and I drive to see her every weekend, sometimes ill pick her up for a weekend and she’ll spend the nights with me. we get along very well and laugh a lot together and are always smiling. I love her to death and she says the same and we are both eachothers first REAL boyfriend/girlfriend.

for the first few like 3-4 months we would make out very occasionaly, but thats as far as it went. I never brought up sex because I respected her so much I didnt want to rush anything. but as time went on my desire for her just grew and grew and lately I’ve been really frusterated and I cant help it. I want to take that step with her or atleast get more physical, but it seems that it wont happen, we dont even makeout anymore, we kiss but its the kind of kiss that doesnt heat things up. all we do is cuddle, shes never even layed one finger on me(you know where) she has made ZERO effort to try and be sexual in anyways and only AFTER 10 months together she finally let me touch her below the waist. Am I wrong for being frusterated? I dont know what to do… I want to have more than just an emotional relationship with her. I treat her so well. I NEVER pressure her, I dont try to argue, I take her out all the time I constantly reassure her of problems she has, I bought 2 promise rings (first one she got rid of out of anger of our break up) and I never ever ignore her or do anything that could hurt her. she is my number one and I couldnt live without her, id do anything for her, and I prove it with my actions that I love her. My only wish is to become more physical, or SOMETHING more than hugging. I’ve waited patiently for a year I respected her decision to wait till shes ready but it seems like at this point she never will be. sex is not SO important to me, but showing love with actions in a relationship IS. hell, id be very satisfied if we even madeout regularly again. its not about sex its about desire and I feel she has none for me. this is such a hard position to be in but I wouldnt dump her over no sex.

but what do I do? :( do I just kill her with more kindness and hope she feels the desire to do more? she says shes attracted to me, but she doesnt show it… sorry for the huge question im just really stressed out and this was a way for me to unload.