Plan Ledger DOL Form 5500 · updated monthly

Stellar Bank401(k)

COMMUNITYBANK OF TEXAS, A DIVISION OF ALLEGIANCE BANK · HOUSTON, TX · plan year 2024

Reported admin expense ratio · 2024
0.17%

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

Stellar Bank reported $171,288 in plan administrative expenses for 2024: 0.17% of average plan assets, above the peer median. Employer contributions averaged $5,206 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 0.17%. 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 477th-largest of 5,688 plans among Texas employers on file, and the 733rd of 4,798 in finance & insurance. In 2024, employees put in $1.48 for every $1.00 the employer contributed; active participation has grown from 457 to 1,033 since 2022.

Plan summary
Net assets, end of year$149,776,481
Participants with balances1,079
Active participants1,033
Employer contributions$5,377,396
Employee contributions$7,956,206
Employer contribution per active participant$5,206
Average account balance$138,810
Benefits paid to participants$21,549,833
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$149.8M · 1,079 accts · $5.4M emplr
2023$54.1M · 401 accts · $2.0M emplr
2022$49.6M · 434 accts · $2.2M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$29,109
Investment management$142,179
Total administrative$171,288
The Stellar Bank 401(k) match · 2024
Employer contribution per active participant$5,206
Median for plans this size$3,635
2024$5,206 per active participant
2023$4,842 per active participant
2022$4,865 per active participant

Stellar Bank'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 · 20243
MORGAN STANLEY SMITH BARNEY LLC · Investment advisory (participants)$122,778
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$29,109
STRATEGIC ADVISORS, INC. · Investment advisory (plan)$19,401

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$171,288 · 0.17%
2023$79,996 · 0.15%
2022$100,328 · 0.18%
All plans at this employer2
ALLEGIANCE BANK 401(K) & PROFIT SHARING PLAN401(k)
COMMUNITYBANK OF TEXAS, A DIVISION OF ALLEGIANCE BANK401(k)
Same employer
Similar plansFinance & Insurance · Texas
Texas Farm Bureau TX$181.7M · 0.08%
Crow Family, Inc. TX$164.2M · 0.05%
Independent Bank TX$143.0M · 0.11%
Cornerstone Capital Bank TX$136.2M · 0.19%

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Source: U.S. Department of Labor, Form 5500 series, EIN 260589597 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.