Plan Ledger DOL Form 5500 · updated monthly

Community Trust Bancorp Inc401(k)

COMMUNITY TRUST BANCORP INC SAVINGS PLAN · PIKEVILLE, KY · plan year 2025

Employer contribution per participant · 2025
$1,519

Community Trust Bancorp Inc's 2025 Form 5500 did not separately report plan administrative expenses, which is common where recordkeeping is paid through investment revenue-sharing or a master trust. The plan held $95,513,879 across 879 participant accounts, with employer contributions averaging $1,519 per active participant. See methodology for what Form 5500 does and doesn't capture.

The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other finance & insurance employers. By assets it is the 87th-largest of 871 plans among Kentucky employers on file, and the 1,038th of 4,798 in finance & insurance. In 2025, employees put in $2.73 for every $1.00 the employer contributed; active participation has grown from 784 to 923 since 2022.

Plan summary
Net assets, end of year$95,513,879
Participants with balances879
Active participants923
Employer contributions$1,401,912
Employee contributions$3,825,165
Employer contribution per active participant$1,519
Average account balance$108,662
Benefits paid to participants$5,941,774
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$95.5M · 879 accts · $1.4M emplr
2024$84.3M · 864 accts · $1.3M emplr
2023$77.5M · 855 accts · $1.3M emplr
2022$68.6M · 795 accts · $1.2M emplr
The Community Trust Bancorp Inc 401(k) match · 2025
Employer contribution per active participant$1,519
Median for plans this size$4,093
2025$1,519 per active participant
2024$1,413 per active participant
2023$1,436 per active participant
2022$1,543 per active participant

Community Trust Bancorp Inc's 2025 employer contribution ran below the $4,093 median for plans its size, in the bottom 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.

Administrative cost history4
2025Not separately reported
2024Not separately reported
2023Not separately reported
2022Not separately reported
All plans at this employer2
COMMUNITY TRUST BANCORP INC SAVINGS PLAN401(k)
COMMUNITY TRUST BANCORP INC EMPLOYEE STOCK OWNERSHIP PLANESOP
Same employer
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Republic Bancorp, Inc. KY$154.5M · 0.23%
Central Bancshares, Inc. KY$110.0M · 0.02%
Forcht Group, Inc. KY$64.3M · 0.28%
First Southern Bancorp Inc KY$43.1M · 0.04%

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Source: U.S. Department of Labor, Form 5500 series, EIN 610979818 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.