Plan Ledger DOL Form 5500 · updated monthly

Consumers National Bank401(k)

CONSUMERS NATIONAL BANK 401(K) SAVINGS AND RETIREMENT PLAN · MINERVA, OH · plan year 2025

Reported admin expense ratio · 2025
0.54%

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

Consumers National Bank reported $78,645 in plan administrative expenses for 2025: 0.54% of average plan assets, higher than ~75% of peers. Employer contributions averaged $2,360 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 0.64% to 0.54%. 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 1,556th-largest of 3,295 plans among Ohio employers on file, and 3,426th of 4,798 in finance & insurance. In 2025, employees put in $1.80 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$15,818,546
Participants with balances226
Active participants196
Employer contributions$462,649
Employee contributions$833,282
Employer contribution per active participant$2,360
Average account balance$69,994
Benefits paid to participants$841,674
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$15.8M · 226 accts · $463K emplr
2024$13.2M · 205 accts · $418K emplr
2023$11.3M · 205 accts · $400K emplr
2022$9.7M · 195 accts · $379K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$44,314
Investment management$34,331
Total administrative$78,645
The Consumers National Bank 401(k) match · 2025
Employer contribution per active participant$2,360
Median for plans this size$2,666
2025$2,360 per active participant
2024$2,271 per active participant
2023$2,062 per active participant
2022$2,104 per active participant

Consumers National Bank's 2025 employer contribution ran below 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 · 20253
ADMIN. GROUP, LLC DBA TAG RESOURCES · Recordkeeping · Loan processing$29,638
TRANSAMERICA FINANCIAL LIFE INS · Recordkeeping · Loan processing$14,676
RAYMOND JAMES FINANCIAL SERVICES · Investment advisory (plan)$34,331

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

Recordkeeper by year3
2025ADMIN. GROUP, LLC DBA TAG RESOURCES, Transamerica
2024ADMIN. GROUP, LLC DBA TAG RESOURCES, Transamerica
2023ADMIN. GROUP, LLC DBA TAG RESOURCES, John Hancock, Transamerica

This plan has changed recordkeepers within these filings. If you left Consumers National Bank before a switch, your account may sit at the earlier firm or in a rollover IRA. Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$78,645 · 0.54%
2024$69,228 · 0.56%
2023$65,358 · 0.62%
2022$66,044 · 0.64%
Similar plansFinance & Insurance · Ohio
Beam Technologies Inc. OH$16.9M · 0.16%
United Midwest Savings Bank OH$16.8M · 0.25%
T2 Financial LLC OH$15.7M · 0.31%
Mechanics Bank OH$14.2M · 0.57%

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Source: U.S. Department of Labor, Form 5500 series, EIN 341794667 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.