Plan Ledger DOL Form 5500 · updated monthly

Fnb Community Bank401(k)

SAVINGS INCENTIVE AND PROFIT SHARING PLAN FOR EMPLOYEES OF FNB COMMUNITY BANK · MIDWEST CITY, OK · plan year 2024

Reported admin expense ratio · 2024
0.28%

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

Fnb Community Bank reported $63,147 in plan administrative expenses for 2024: 0.28% of average plan assets, below the peer median. Employer contributions averaged $484 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 rose from 0.03% to 0.51%. 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 216th-largest of 724 plans among Oklahoma employers on file, and 2,794th of 4,798 in finance & insurance. In 2024, employees put in $10.10 for every $1.00 the employer contributed; active participation has shrunk from 145 to 130 since 2022.

Plan summary
Net assets, end of year$23,470,146
Participants with balances139
Active participants130
Employer contributions$62,937
Employee contributions$635,576
Employer contribution per active participant$484
Average account balance$168,850
Benefits paid to participants$1,238,085
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$22.5M · 129 accts · $145K emplr
2024$23.5M · 139 accts · $63K emplr
2023$21.5M · 137 accts · $182K emplr
2022$18.0M · 139 accts · $180K emplr
Administrative expenses, itemized · 2024
Investment management$63,147
Total administrative$63,147
The Fnb Community Bank 401(k) match · 2024
Employer contribution per active participant$484
Median for plans this size$2,416
2025$1,228 per active participant
2024$484 per active participant
2023$1,157 per active participant
2022$1,239 per active participant

Fnb Community Bank's 2024 employer contribution ran below the $2,416 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.

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.

Administrative cost history4
2025$117,676 · 0.51%
2024$63,147 · 0.28%
2023$5,317 · 0.03%
2022$5,004 · 0.03%
Similar plansFinance & Insurance · Oklahoma
American Heritage Bank OK$22.4M · 0.09%
Vision Bank OK$21.8M · 0.48%
Gaming Capital Group LLC OK$21.6M · 0.39%

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Source: U.S. Department of Labor, Form 5500 series, EIN 730127305 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.