Farmers and Merchants Trust Company401(k)
F & M TRUST 401(K) PLAN · CHAMBERSBURG, PA · plan year 2024
Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works
Farmers and Merchants Trust Company reported $63,635 in plan administrative expenses for 2024: 0.17% of average plan assets, below the peer median. Employer contributions averaged $4,678 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 has held roughly steady near 0.167%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 949th-largest of 3,651 plans among Pennsylvania employers on file, and the 1,941st of 4,798 in finance & insurance. In 2024, employees put in $1.43 for every $1.00 the employer contributed.
Farmers and Merchants Trust Company's 2024 employer contribution ran above the $2,416 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.
Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.
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Source: U.S. Department of Labor, Form 5500 series, EIN 230570230 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.