Plan Ledger DOL Form 5500 · updated monthly

Community National Bank401(k)

COMMUNITY BANCORP & DESIGNATED SUBSIDIARIES RETIREMENT SAVINGS PLAN · NEWPORT, VT · plan year 2025

Reported admin expense ratio · 2025
0.01%

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

Community National Bank reported $2,250 in plan administrative expenses for 2025: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $6,396 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 0.005%. 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 41st-largest of 230 plans among Vermont employers on file, and the 1,824th of 4,798 in finance & insurance. In 2025, the employer put in $1.01 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$44,350,873
Participants with balances167
Active participants112
Employer contributions$716,383
Employee contributions$709,156
Employer contribution per active participant$6,396
Average account balance$265,574
Benefits paid to participants$3,306,933
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$44.4M · 167 accts · $716K emplr
2024$37.7M · 165 accts · $712K emplr
2023$34.3M · 175 accts · $685K emplr
2022$30.7M · 174 accts · $643K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$2,250
Total administrative$2,250
The Community National Bank 401(k) match · 2025
Employer contribution per active participant$6,396
Median for plans this size$2,666
2025$6,396 per active participant
2024$6,140 per active participant
2023$6,012 per active participant
2022$5,541 per active participant

Community National Bank's 2025 employer contribution ran above the $2,666 median for plans its size, placing it in the top 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20251
FUTURE PLANNING ASSOCIATES, INC. · Loan processing$2,250

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

Administrative cost history4
2025$2,250 · 0.01%
2024$1,850 · 0.01%
2023$2,092 · 0.01%
2022$1,750 · 0.01%
Same employer
Similar plansFinance & Insurance · Vermont
Richards, Inc. VT$36.8M · 0.07%
Union Bank VT$36.3M · 0.18%
McIc Vermont, LLC VT$28.8M · 0.00%

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Source: U.S. Department of Labor, Form 5500 series, EIN 030288082 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.