Plan Ledger DOL Form 5500 · updated monthly

Auburn National Bancorporation, Inc.401(k)

AUBURN NATIONAL BANCORPORATION, INC. 401(K) PLAN · AUBURN, AL · plan year 2025

Reported admin expense ratio · 2025
0.38%

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

Auburn National Bancorporation, Inc. reported $53,300 in plan administrative expenses for 2025: 0.38% of average plan assets, above the peer median. Employer contributions averaged $2,086 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 3 years on file its reported administrative ratio fell from 0.55% to 0.38%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 369th-largest of 902 plans among Alabama employers on file, and 3,532nd of 4,798 in finance & insurance. In 2025, employees put in $1.98 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$14,623,375
Participants with balances153
Active participants163
Employer contributions$340,039
Employee contributions$672,670
Employer contribution per active participant$2,086
Average account balance$95,578
Benefits paid to participants$2,082,986
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$14.6M · 153 accts · $340K emplr
2024$13.7M · 169 accts · $330K emplr
2023$11.9M · 187 accts · $328K emplr
2022$10.1M · 159 accts · $300K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$28,300
Investment management$25,000
Total administrative$53,300
The Auburn National Bancorporation, Inc. 401(k) match · 2025
Employer contribution per active participant$2,086
Median for plans this size$2,666
2025$2,086 per active participant
2024$2,198 per active participant
2023$2,234 per active participant
2022$1,987 per active participant

Auburn National Bancorporation, Inc.'s 2025 employer contribution ran below the $2,666 median for plans its size. 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
CAPFINANCIAL PARTNERS LLC DBA CAPTR · Investment advisory (plan)$25,000

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

Administrative cost history4
2025$53,300 · 0.38%
2024$63,232 · 0.49%
2023$55,817 · 0.51%
2022$60,873 · 0.55%
Same employer
Similar plansFinance & Insurance · Alabama
Alabama One Credit Union AL$16.8M · 0.50%
Listerhill Credit Union AL$16.3M · 0.20%
Progress Bank AL$14.2M · 0.33%
Citizens Bank and Trust AL$13.3M · 0.35%
Five Star Credit Union AL$13.3M · 0.48%

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Source: U.S. Department of Labor, Form 5500 series, EIN 630885779 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.