Plan Ledger DOL Form 5500 · updated monthly

Sb Financial Group401(k)

SB FINANCIAL GROUP 401(K) · DEFIANCE, OH · plan year 2025

Reported admin expense ratio · 2025
0.26%

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

Sb Financial Group reported $95,731 in plan administrative expenses for 2025: 0.26% of average plan assets, below the peer median. Employer contributions averaged $2,630 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 0.26%. 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 817th-largest of 3,295 plans among Ohio employers on file, and the 2,057th of 4,798 in finance & insurance. In 2025, employees put in $2.01 for every $1.00 the employer contributed; active participation has grown from 233 to 263 since 2022.

Plan summary
Net assets, end of year$37,755,911
Participants with balances336
Active participants263
Employer contributions$691,743
Employee contributions$1,393,767
Employer contribution per active participant$2,630
Average account balance$112,369
Benefits paid to participants$6,277,259
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$37.8M · 336 accts · $692K emplr
2024$37.1M · 340 accts · $658K emplr
2023$32.3M · 338 accts · $624K emplr
2022$31.5M · 385 accts · $674K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$2,579
Trustee / custodial$93,152
Total administrative$95,731
The Sb Financial Group 401(k) match · 2025
Employer contribution per active participant$2,630
Median for plans this size$2,666
2025$2,630 per active participant
2024$2,874 per active participant
2023$2,784 per active participant
2022$2,892 per active participant

Sb Financial Group'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.

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
STATE BANK AND TRUST COMPANY · Trustee (discretionary) · Investment advisory (plan)$93,152
USI CONSULTING GROUP, INC. · Contract administrator$2,579

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

Administrative cost history4
2025$95,731 · 0.26%
2024$91,757 · 0.26%
2023$86,569 · 0.27%
2022$87,097 · 0.25%
All plans at this employer2
SB FINANCIAL GROUP EMPLOYEE STOCK OWNERSHIP PLANESOP
SB FINANCIAL GROUP 401(K)401(k)
Same employer
Similar plansFinance & Insurance · Ohio
Union Savings Bank OH$44.5M · 0.22%
Greenville National Bank OH$37.0M · 0.20%
Rockbridge Capital, LLC OH$35.8M · 0.45%
Clearstead Advisors, LLC OH$35.5M · 0.05%
Signature Bancorp, Inc. OH$35.5M · 0.35%

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Source: U.S. Department of Labor, Form 5500 series, EIN 341395608 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.