Plan Ledger DOL Form 5500 · updated monthly

State Holding Company401(k)

STATE HOLDING COMPANY 401(K) PLAN · LITTLE ROCK, AR · plan year 2025

Reported admin expense ratio · 2025
0.55%

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

State Holding Company reported $73,404 in plan administrative expenses for 2025: 0.55% of average plan assets, higher than ~75% of peers. Employer contributions averaged $2,610 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 rose from 0.19% to 0.55%. 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 186th-largest of 456 plans among Arkansas employers on file, and 3,561st of 4,798 in finance & insurance. In 2025, employees put in $2.61 for every $1.00 the employer contributed; active participation has shrunk from 167 to 145 since 2022.

Plan summary
Net assets, end of year$14,283,829
Participants with balances174
Active participants145
Employer contributions$378,424
Employee contributions$988,621
Employer contribution per active participant$2,610
Average account balance$82,091
Benefits paid to participants$1,540,836
Plan auditUnmodified (clean) audit opinion
AuditorHJC CPAS & ADVISORS, PLLC
Plan history4
Yearassets · accounts · employer contribution
2025$14.3M · 174 accts · $378K emplr
2024$12.6M · 172 accts · $372K emplr
2023$11.8M · 185 accts · $379K emplr
2022$10.2M · 189 accts · $451K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$4,700
Investment management$68,304
Total administrative$73,404
The State Holding Company 401(k) match · 2025
Employer contribution per active participant$2,610
Median for plans this size$2,666
2025$2,610 per active participant
2024$2,445 per active participant
2023$2,599 per active participant
2022$2,699 per active participant

State Holding Company'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 · 20253
VOYA FINANCIAL ADVISORS, INC · Investment advisory (participants) · Investment advisory (plan)$2,750
DEFINITI,LLC · Other services$2,350
MORNINGSTAR · Investment advisory (participants) · Investment advisory (plan)indirect comp

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$73,404 · 0.55%
2024$83,782 · 0.69%
2023$89,434 · 0.81%
2022$20,541 · 0.19%
Similar plansFinance & Insurance · Arkansas
The Citizens Bank AR$16.2M · 0.63%
Encore Bank AR$14.7M · 0.99%
Diamond Bank AR$13.0M · 0.40%
Fnbc Bank AR$11.0M · 0.30%
Union Bank AR$9.7M · 0.38%
Malvern National Bank AR$8.8M · 0.17%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 710595088 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.