Plan Ledger DOL Form 5500 · updated monthly

Pacific Coast Bankers' Bancshares401(k)

PACIFIC COAST BANKERS' BANCSHARES 401(K) SAVINGS PLAN · WALNUT CREEK, CA · plan year 2024

Reported admin expense ratio · 2024
0.28%

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

Pacific Coast Bankers' Bancshares reported $59,145 in plan administrative expenses for 2024: 0.28% of average plan assets, below the peer median. Employer contributions averaged $4,114 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 2 years on file its reported administrative ratio fell from 0.40% to 0.28%. 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 3,488th-largest of 9,483 plans among California employers on file, and 2,955th of 4,798 in finance & insurance. In 2024, employees put in $3.09 for every $1.00 the employer contributed; active participation has grown from 107 to 119 since 2022.

Plan summary
Net assets, end of year$21,189,287
Participants with balances130
Active participants119
Employer contributions$489,537
Employee contributions$1,512,375
Employer contribution per active participant$4,114
Average account balance$162,995
Benefits paid to participants$4,252,120
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$21.2M · 130 accts · $490K emplr
2023$20.9M · 136 accts · $524K emplr
2022$17.8M · 125 accts · $100K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$28,910
Investment management$30,235
Total administrative$59,145
The Pacific Coast Bankers' Bancshares 401(k) match · 2024
Employer contribution per active participant$4,114
Median for plans this size$2,416
2024$4,114 per active participant
2023$4,516 per active participant
2022$935 per active participant

Pacific Coast Bankers' Bancshares's 2024 employer contribution ran above the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
CAMBRIDGE INVESTMENT RESEARCH · Investment advisory (plan)$30,235
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$28,910

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

Administrative cost history3
2024$59,145 · 0.28%
2023$70,158 · 0.36%
2022$77,421 · 0.40%
Similar plansFinance & Insurance · California
Patra Corporation CA$21.5M · 0.84%
Kiva Microfunds CA$21.2M · 0.02%
Silvergate Bank CA$21.1M · 0.12%

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Source: U.S. Department of Labor, Form 5500 series, EIN 943311267 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.