Plan Ledger DOL Form 5500 · updated monthly

Fulton Financial Corporation401(k) + ESOP (KSOP)

FULTON FINANCIAL CORPORATION 401(K) RETIREMENT PLAN · LANCASTER, PA · plan year 2025

Reported admin expense ratio · 2025
0.04%

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

Fulton Financial Corporation reported $213,085 in plan administrative expenses for 2025: 0.04% of average plan assets, lower than ~75% of peers. Employer contributions averaged $4,117 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 0.041% to 0.035%. 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 121st-largest of 3,651 plans among Pennsylvania employers on file, and the 258th of 4,798 in finance & insurance. In 2025, employees put in $1.73 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$639,782,957
Participants with balances4,262
Active participants3,336
Employer contributions$13,735,288
Employee contributions$23,772,788
Employer contribution per active participant$4,117
Average account balance$150,113
Benefits paid to participants$51,710,736
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$639.8M · 4,262 accts · $13.7M emplr
2024$569.1M · 4,463 accts · $13.7M emplr
2023$505.2M · 5,075 accts · $11.8M emplr
2022$431.4M · 4,799 accts · $10.9M emplr
Administrative expenses, itemized · 2025
Investment management$213,085
Total administrative$213,085
The Fulton Financial Corporation 401(k) match · 2025
Employer contribution per active participant$4,117
Median for plans this size$4,295
2025$4,117 per active participant
2024$4,084 per active participant
2023$3,455 per active participant
2022$3,289 per active participant

Fulton Financial Corporation's 2025 employer contribution ran below 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
FULTON BANK, N.A. · Recordkeeping · Loan processing$69,281
BDO USA, LLP · Accounting / audit$37,704

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

Recordkeeper by year2
2025FULTON BANK, N.A.
2024FULTON BANK, N.A.

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Administrative cost history4
2025$213,085 · 0.04%
2024$231,383 · 0.04%
2023$61,243 · 0.01%
2022$196,430 · 0.04%
Same employer
Similar plansFinance & Insurance · Pennsylvania
Janney Montgomery Scott LLC PA$766.2M · 0.00%
Federated Hermes, Inc. PA$693.5M · 0.04%
Ascensus, LLC. PA$621.8M · 0.00%
F.N.B. Corporation PA$603.2M · 0.07%
Capital Blue Cross PA$507.8M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 232195389 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.