Plan Ledger DOL Form 5500 · updated monthly

Citizens Community Federal401(k)

CITIZENS COMMUNITY FEDERAL 401(K) PROFIT SHARING PLAN · EAU CLAIRE, WI · plan year 2025

Reported admin expense ratio · 2025
0.31%

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

Citizens Community Federal reported $65,852 in plan administrative expenses for 2025: 0.31% of average plan assets, above the peer median. Employer contributions averaged $3,098 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 0.32% to 0.31%. 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 755th-largest of 1,936 plans among Wisconsin employers on file, and 2,757th of 4,798 in finance & insurance. In 2025, employees put in $2.01 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$24,088,392
Participants with balances300
Active participants224
Employer contributions$694,021
Employee contributions$1,396,987
Employer contribution per active participant$3,098
Average account balance$80,295
Benefits paid to participants$811,980
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$24.1M · 300 accts · $694K emplr
2024$18.8M · 290 accts · $645K emplr
2023$15.9M · 318 accts · $647K emplr
2022$13.3M · 301 accts · $647K emplr
Administrative expenses, itemized · 2025
Investment management$65,852
Total administrative$65,852
The Citizens Community Federal 401(k) match · 2025
Employer contribution per active participant$3,098
Median for plans this size$2,666
2025$3,098 per active participant
2024$2,943 per active participant
2023$2,851 per active participant
2022$2,799 per active participant

Citizens Community Federal's 2025 employer contribution ran above 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 · 20251
TRUST POINT · Recordkeeping · Trustee$65,852

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

Recordkeeper by year2
2025TRUST POINT
2024TRUST POINT

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

Administrative cost history4
2025$65,852 · 0.31%
2024$51,099 · 0.29%
2023$52,607 · 0.36%
2022$45,138 · 0.32%
Same employer
Similar plansFinance & Insurance · Wisconsin
Park Bank WI$25.2M · 0.35%
Cib Marine Bancshares, Inc. WI$24.5M · 0.18%
Waterstone Bank Ssb WI$24.5M · 0.00%
Knight Barry Title, Inc. WI$24.2M · 0.73%
Forward Bank WI$23.1M · 0.36%
Port Washington State Bank WI$22.9M · 0.46%
Natcom Bancshares, Inc. WI$22.7M · 0.57%

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Source: U.S. Department of Labor, Form 5500 series, EIN 390859926 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.