Plan Ledger DOL Form 5500 · updated monthly

Bank of the Orient401(k)

ORIENT BANCORPORATION EMPLOYEE RETIREMENT PLAN · SAN FRANCISCO, CA · plan year 2025

Reported admin expense ratio · 2025
0.13%

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

Bank of the Orient reported $36,644 in plan administrative expenses for 2025: 0.13% of average plan assets, below the peer median. Employer contributions averaged $2,034 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 4 years on file its reported administrative ratio has held roughly steady near 0.130%. 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 2,681st-largest of 9,483 plans among California employers on file, and 2,420th of 4,798 in finance & insurance. In 2025, employees put in $5.53 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$29,970,841
Participants with balances154
Active participants85
Employer contributions$172,864
Employee contributions$955,482
Employer contribution per active participant$2,034
Average account balance$194,616
Benefits paid to participants$1,731,874
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$30.0M · 154 accts · $173K emplr
2024$26.2M · 151 accts · $259K emplr
2023$25.0M · 142 accts · $224K emplr
2022$21.9M · 142 accts · $199K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$15,894
Investment management$8,000
Audit (IQPA)$12,750
Total administrative$36,644
The Bank of the Orient 401(k) match · 2025
Employer contribution per active participant$2,034
Median for plans this size$2,666
2025$2,034 per active participant
2024$2,913 per active participant
2023$2,545 per active participant
2022$2,261 per active participant

Bank of the Orient'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 · 20253
TRANSAMERICA RETIREMENT SOLUTIONS · Recordkeeping · Loan processing$15,894
CARON & BLETZER PLLC · Accounting / audit$12,750
INNOVEST PORTFOLIO SOLUTIONS LLC · Consulting · Investment advisory (plan)$8,000

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

Recordkeeper by year3
2025Transamerica
2024Transamerica
2023Transamerica

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$36,644 · 0.13%
2024$29,886 · 0.12%
2023$30,442 · 0.13%
2022$35,149 · 0.13%
Similar plansFinance & Insurance · California
Plumas Bank CA$31.2M · 0.23%
United Business Bank CA$30.5M · 0.49%
Riviera Finance, LLC CA$30.1M · 0.09%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 941732792 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.