Plan Ledger DOL Form 5500 · updated monthly

Civista Bancshares, Inc.401(k)

SAVINGS AND RETIREMENT PLAN FOR CIVISTA BANCSHARES, INC. AND AFFILIATES · SANDUSKY, OH · plan year 2024

Reported admin expense ratio · 2024
0.16%

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

Civista Bancshares, Inc. reported $105,658 in plan administrative expenses for 2024: 0.16% of average plan assets, above the peer median. Employer contributions averaged $4,995 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 0.18% to 0.16%. 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 522nd-largest of 3,295 plans among Ohio employers on file, and the 1,366th of 4,798 in finance & insurance. In 2024, employees put in $1.34 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$65,271,151
Participants with balances634
Active participants521
Employer contributions$2,602,163
Employee contributions$3,490,357
Employer contribution per active participant$4,995
Average account balance$102,951
Benefits paid to participants$13,240,349
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$65.3M · 634 accts · $2.6M emplr
2023$62.8M · 643 accts · $2.7M emplr
2022$47.1M · 622 accts · $2.3M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$26,606
Investment management$79,052
Total administrative$105,658
The Civista Bancshares, Inc. 401(k) match · 2024
Employer contribution per active participant$4,995
Median for plans this size$3,635
2024$4,995 per active participant
2023$4,925 per active participant
2022$4,252 per active participant

Civista Bancshares, Inc.'s 2024 employer contribution ran above the $3,635 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 · 20241
BENEFIT PLANS ADMIN SERVICES, INC. · Recordkeeping · Custodial (securities)$105,657

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

Recordkeeper by year2
2024BENEFIT PLANS ADMIN SERVICES, INC.
2023BENEFIT PLANS ADMIN SERVICES, INC.

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Administrative cost history3
2024$105,658 · 0.16%
2023$93,881 · 0.17%
2022$92,321 · 0.18%
Same employer
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Source: U.S. Department of Labor, Form 5500 series, EIN 341558688 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.