Plan Ledger DOL Form 5500 · updated monthly

Nodaway Valley Bank401(k)

NODAWAY VALLEY BANK 401(K) PROFIT SHARING PLAN · MARYVILLE, MO · plan year 2025

Reported admin expense ratio · 2025
0.17%

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

Nodaway Valley Bank reported $64,825 in plan administrative expenses for 2025: 0.17% of average plan assets, below the peer median. Employer contributions averaged $8,013 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 0.169%. 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 377th-largest of 1,393 plans among Missouri employers on file, and the 1,959th of 4,798 in finance & insurance. In 2025, the employer put in $1.49 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$40,025,186
Participants with balances167
Active participants156
Employer contributions$1,250,000
Employee contributions$839,367
Employer contribution per active participant$8,013
Average account balance$239,672
Benefits paid to participants$3,645,315
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$40.0M · 167 accts · $1.3M emplr
2024$36.9M · 167 accts · $1.2M emplr
2023$32.4M · 169 accts · $1.1M emplr
2022$30.1M · 169 accts · $1.1M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$38,307
Investment management$20,009
Trustee / custodial$6,509
Total administrative$64,825
The Nodaway Valley Bank 401(k) match · 2025
Employer contribution per active participant$8,013
Median for plans this size$2,666
2025$8,013 per active participant
2024$8,000 per active participant
2023$7,516 per active participant
2022$6,954 per active participant

Nodaway Valley Bank's 2025 employer contribution ran above the $2,666 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.

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
NORTH AMERICA KTRADE ALLIANCE · Recordkeeping · Other services$44,856
STEFFES FINANCIAL LTD · Investment advisory (plan)$20,009

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

Recordkeeper by year3
2025NORTH AMERICA KTRADE ALLIANCE
2024NORTH AMERICA KTRADE ALLIANCE
2023NORTH AMERICA KTRADE ALLIANCE

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Administrative cost history4
2025$64,825 · 0.17%
2024$58,148 · 0.17%
2023$45,258 · 0.14%
2022$53,205 · 0.17%
Same employer
Similar plansFinance & Insurance · Missouri
Bank of Washington MO$47.0M · 0.04%
Delta Dental of Missouri MO$46.0M · 0.15%
First State Bancorp, Inc. MO$37.8M · 0.53%
Midwest Bankcentre MO$36.7M · 0.29%

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Source: U.S. Department of Labor, Form 5500 series, EIN 431302908 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.