Plan Ledger DOL Form 5500 · updated monthly

Bank of Stockton401(k)

BANK OF STOCKTON 401(K) PLAN AND TRUST · STOCKTON, CA · plan year 2024

Reported admin expense ratio · 2024
0.10%

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

Bank of Stockton reported $62,328 in plan administrative expenses for 2024: 0.10% of average plan assets, below the peer median. Employer contributions averaged $0 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 2 years on file its reported administrative ratio rose from 0.01% to 0.10%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other finance & insurance employers. By assets it is the 1,502nd-largest of 9,483 plans among California employers on file, and the 1,434th of 4,798 in finance & insurance. In 2024, employees put in $32889.74 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$61,449,837
Participants with balances563
Active participants433
Employer contributions$88
Employee contributions$2,894,297
Employer contribution per active participant$0
Average account balance$109,147
Benefits paid to participants$6,456,379
Plan auditUnmodified (clean) audit opinion
AuditorGRIMBLEBY COLEMAN ADVISORS & ACCOUN
Plan history3
Yearassets · accounts · employer contribution
2024$61.4M · 563 accts · $88 emplr
2023$57.8M · 564 accts
2022$50.8M · 534 accts · $1.2M emplr
The Bank of Stockton 401(k) match · 2024
Employer contribution per active participant$0
Median for plans this size$3,635
2024$0 per active participant
2022$2,847 per active participant

Bank of Stockton's 2024 employer contribution ran below the $3,635 median for plans its size, in the bottom quarter of its peers. 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20241
THE VANGUARD GROUP, INC. · Recordkeeping · Consulting$64,098

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

Recordkeeper by year2
2024Vanguard
2023Vanguard

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Administrative cost history3
2024$62,328 · 0.10%
2023$3,180 · 0.01%
2022$3,575 · 0.01%
Same employer
Similar plansFinance & Insurance · California
Deans & Homer CA$62.8M · 0.07%
Redwood Trust, Inc. CA$62.5M · 0.06%
Banc of California, Inc. CA$62.0M · 0.28%
Prosper Marketplace, Inc. CA$61.2M · 0.17%

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Source: U.S. Department of Labor, Form 5500 series, EIN 940902780 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.