Plan Ledger DOL Form 5500 · updated monthly

Springs Valley Bank & Trust Company401(k)

SPRINGS VALLEY BANK & TRUST COMPANY RETIREMENT PROFIT SHARING PLAN · JASPER, IN · plan year 2025

Reported admin expense ratio · 2025
0.15%

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

Springs Valley Bank & Trust Company reported $31,262 in plan administrative expenses for 2025: 0.15% of average plan assets, below the peer median. Employer contributions averaged $4,904 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 0.16% to 0.15%. 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 520th-largest of 1,562 plans among Indiana employers on file, and 2,880th of 4,798 in finance & insurance. In 2025, employees put in $1.33 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$22,311,995
Participants with balances126
Active participants122
Employer contributions$598,247
Employee contributions$793,149
Employer contribution per active participant$4,904
Average account balance$177,079
Benefits paid to participants$2,541,278
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2025$22.3M · 126 accts · $598K emplr
2024$19.5M · 136 accts · $599K emplr
2023$16.0M · 131 accts · $615K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$27,164
Investment management$4,098
Total administrative$31,262
The Springs Valley Bank & Trust Company 401(k) match · 2025
Employer contribution per active participant$4,904
Median for plans this size$2,666
2025$4,904 per active participant
2024$4,716 per active participant
2023$5,303 per active participant

Springs Valley Bank & Trust Company'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 · 20251

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

Administrative cost history3
2025$31,262 · 0.15%
2024$27,180 · 0.15%
2023$22,586 · 0.16%
Same employer
Similar plansFinance & Insurance · Indiana
First Harrison Bank IN$27.4M · 0.03%
Centra Credit Union IN$24.9M · 0.54%
Key Benefit Administrators IN$21.6M · 0.17%
Crea, LLC IN$21.6M · 0.23%
Arlington/Roe & Co., Inc. IN$21.1M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 350749025 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.