Plan Ledger DOL Form 5500 · updated monthly

New York Community Bancorp, Inc.401(k)

NEW YORK COMMUNITY BANCORP, INC. EMPLOYEE SAVINGS PLAN · HICKSVILLE, NY · plan year 2025

Reported admin expense ratio · 2025
0.07%

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

New York Community Bancorp, Inc. reported $618,597 in plan administrative expenses for 2025: 0.07% of average plan assets, below the peer median. Employer contributions averaged $3,701 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 0.12% to 0.07%. 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 125th-largest of 5,648 plans among New York employers on file, and the 191st of 4,798 in finance & insurance. In 2025, employees put in $2.35 for every $1.00 the employer contributed; active participation has grown from 2,613 to 5,746 since 2022.

Plan summary
Net assets, end of year$945,144,695
Participants with balances8,448
Active participants5,746
Employer contributions$21,264,559
Employee contributions$50,049,609
Employer contribution per active participant$3,701
Average account balance$111,878
Benefits paid to participants$209,153,163
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$945.1M · 8,448 accts · $21.3M emplr
2024$917.8M · 9,778 accts · $26.4M emplr
2023$544.9M · 3,346 accts · $9.6M emplr
2022$373.8M · 4,436 accts · $6.5M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$517,657
Investment management$100,940
Total administrative$618,597
The New York Community Bancorp, Inc. 401(k) match · 2025
Employer contribution per active participant$3,701
Median for plans this size$4,295
2025$3,701 per active participant
2024$3,345 per active participant
2023$2,068 per active participant
2022$2,479 per active participant

New York Community Bancorp, Inc.'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
EMPOWER ANNUITY INSURANCE COMPANY O · Recordkeeping · Loan processing$516,607
CAPFINANCIAL PARTNERS LLC DBA CAPTR · Investment advisory (plan)$100,940

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

Recordkeeper by year3
2025Empower
2024Empower
2023Pentegra

This plan has changed recordkeepers within these filings. If you left New York Community Bancorp, Inc. 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).

Administrative cost history4
2025$618,597 · 0.07%
2024$570,125 · 0.08%
2023$571,073 · 0.12%
2022$516,744 · 0.12%
All plans at this employer2
NEW YORK COMMUNITY BANCORP, INC. EMPLOYEE STOCK OWNERSHIP PLANESOP
NEW YORK COMMUNITY BANCORP, INC. EMPLOYEE SAVINGS PLAN401(k)
Same employer
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Source: U.S. Department of Labor, Form 5500 series, EIN 061377322 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.