National Bankshares Retirement Accumulation Plan401(k)
NATIONAL BANKSHARES, INC. RETIREMENT ACCUMULATION PLAN · BLACKSBURG, VA · plan year 2025
Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works
National Bankshares Retirement Accumulation Plan reported $118,623 in plan administrative expenses for 2025: 0.64% of average plan assets, higher than ~90% of peers. Employer contributions averaged $2,540 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 4 years on file its reported administrative ratio has held roughly steady near 0.64%. 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 1,030th-largest of 2,266 plans among Virginia employers on file, and 3,159th of 4,798 in finance & insurance. In 2025, employees put in $1.51 for every $1.00 the employer contributed.
National Bankshares Retirement Accumulation Plan'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.
Annual cost at the plan's reported 2025 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.
This plan has changed recordkeepers within these filings. If you left National Bankshares Retirement Accumulation Plan 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).
Why are you looking at this plan?
Source: U.S. Department of Labor, Form 5500 series, EIN 541375874 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.