Plan Ledger DOL Form 5500 · updated monthly

Capital Bank, N.A.401(k)

CAPITAL BANK 401(K) PLAN · ROCKVILLE, MD · plan year 2024

Reported admin expense ratio · 2024
0.37%

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

Capital Bank, N.A. reported $105,566 in plan administrative expenses for 2024: 0.37% of average plan assets, above the peer median. Employer contributions averaged $3,217 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 fell from 0.41% to 0.37%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 447th-largest of 1,671 plans among Maryland employers on file, and the 2,294th of 4,798 in finance & insurance. In 2024, employees put in $2.22 for every $1.00 the employer contributed; active participation has grown from 283 to 411 since 2022.

Plan summary
Net assets, end of year$32,491,475
Participants with balances496
Active participants411
Employer contributions$1,322,271
Employee contributions$2,933,855
Employer contribution per active participant$3,217
Average account balance$65,507
Benefits paid to participants$4,570,394
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$32.5M · 496 accts · $1.3M emplr
2023$24.5M · 342 accts · $1.1M emplr
2022$18.6M · 337 accts · $1.0M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$66,198
Investment management$39,368
Total administrative$105,566
The Capital Bank, N.A. 401(k) match · 2024
Employer contribution per active participant$3,217
Median for plans this size$2,416
2024$3,217 per active participant
2023$3,879 per active participant
2022$3,583 per active participant

Capital Bank, N.A.'s 2024 employer contribution ran above the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$66,198
KESTRA INVESTMENT SERVICES LLC · Investment advisory (plan)$39,368

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

Administrative cost history3
2024$105,566 · 0.37%
2023$83,364 · 0.39%
2022$77,000 · 0.41%
Same employer
Similar plansFinance & Insurance · Maryland
Forbright Bank MD$33.9M · 0.18%
Robotic Research Opco, LLC MD$30.3M · 0.04%

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Source: U.S. Department of Labor, Form 5500 series, EIN 522132492 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.