Plan Ledger DOL Form 5500 · updated monthly

F.N.B. Corporation401(k) + ESOP (KSOP)

F.N.B. CORPORATION PROGRESS SAVINGS 401(K) PLAN · HERMITAGE, PA · plan year 2025

Reported admin expense ratio · 2025
0.07%

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

F.N.B. Corporation reported $377,571 in plan administrative expenses for 2025: 0.07% of average plan assets, below the peer median. Employer contributions averaged $6,239 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 8 years on file its reported administrative ratio has held roughly steady near 0.067%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other finance & insurance employers. By assets it is the 128th-largest of 3,651 plans among Pennsylvania employers on file, and the 269th of 4,798 in finance & insurance. In 2025, employees put in $1.16 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$603,156,774
Participants with balances6,446
Active participants4,298
Employer contributions$26,814,907
Employee contributions$31,041,470
Employer contribution per active participant$6,239
Average account balance$93,571
Benefits paid to participants$74,935,877
Plan auditUnmodified (clean) audit opinion
AuditorERNST YOUNG LLP
Plan history8
Yearassets · accounts · employer contribution
2025$603.2M · 6,446 accts · $26.8M emplr
2024$531.5M · 6,373 accts · $18.5M emplr
2023$461.2M · 6,231 accts · $20.2M emplr
2022$385.5M · 6,006 accts · $20.3M emplr
2021$423.6M · 6,493 accts · $18.8M emplr
2020$352.6M · 6,204 accts · $16.2M emplr
2019$310.8M · 5,863 accts · $15.4M emplr
2018$243.4M · 5,949 accts · $15.2M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$327,701
Investment management$49,870
Total administrative$377,571
The F.N.B. Corporation 401(k) match · 2025
Employer contribution per active participant$6,239
Median for plans this size$4,295
2025$6,239 per active participant
2024$4,317 per active participant
2023$4,840 per active participant
2022$4,846 per active participant
2021$4,638 per active participant

F.N.B. Corporation's 2025 employer contribution ran above the $4,295 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 · 20252
STRATEGIC ADVISORS, INC. · Investment advisory (plan)$49,870
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$34,763

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

Administrative cost history8
2025$377,571 · 0.07%
2024$91,458 · 0.02%
2023$392,226 · 0.09%
2022$212,441 · 0.05%
2021$164,155 · 0.04%
2020$160,470 · 0.05%
2019$186,490 · 0.07%
2018$171,433 · 0.07%
Same employer
Similar plansFinance & Insurance · Pennsylvania
Janney Montgomery Scott LLC PA$766.2M · 0.00%
Federated Hermes, Inc. PA$693.5M · 0.04%
Fulton Financial Corporation PA$639.8M · 0.04%
Ascensus, LLC. PA$621.8M · 0.00%
Capital Blue Cross PA$507.8M · 0.02%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 251255406 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.