Plan Ledger DOL Form 5500 · updated monthly

Stock Yards Bank & Trust CompanyESOP

STOCK YARDS BANK & TRUST COMPANY 401K EMPLOYEE · LOUISVILLE, KY · plan year 2025

Reported admin expense ratio · 2025
0.07%

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

Stock Yards Bank & Trust Company reported $123,950 in plan administrative expenses for 2025: 0.07% of average plan assets, below the peer median. Employer contributions averaged $4,289 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 fell from 0.10% to 0.07%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other finance & insurance employers. By assets it is the 48th-largest of 871 plans among Kentucky employers on file, and the 611th of 4,798 in finance & insurance. In 2025, employees put in $1.38 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$184,596,242
Participants with balances1,232
Active participants1,165
Employer contributions$4,996,567
Employee contributions$6,896,847
Employer contribution per active participant$4,289
Average account balance$149,835
Benefits paid to participants$14,226,290
Plan auditUnmodified (clean) audit opinion
AuditorHARDING, SHYMANSKI, & COMPANY PSC
Plan history4
Yearassets · accounts · employer contribution
2025$184.6M · 1,232 accts · $5.0M emplr
2024$167.3M · 1,204 accts · $4.8M emplr
2023$146.8M · 1,232 accts · $4.1M emplr
2022$139.7M · 1,179 accts · $3.0M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$100,137
Investment management$22,063
Total administrative$123,950
Employer contributions to the Stock Yards Bank & Trust Company plan · 2025
Employer contribution per active participant$4,289
Median for plans this size$4,093
2025$4,289 per active participant
2024$4,329 per active participant
2023$3,728 per active participant
2022$2,794 per active participant

Stock Yards Bank & Trust Company's 2025 employer contribution ran above the $4,093 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 · 20254
VOYA RETIREMENT ADVISORS, LLC · Investment advisory (participants)$22,005
MORNINGSTAR · Investment advisory (plan)indirect comp
BENEFIT TRUST COMPANY · Trusteeindirect 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$123,950 · 0.07%
2024$138,143 · 0.09%
2023$120,991 · 0.08%
2022$136,502 · 0.10%
Same employer
Similar plansFinance & Insurance · Kentucky
Humana Inc. KY$7.7B · 0.03%
Republic Bancorp, Inc. KY$154.5M · 0.23%
Central Bancshares, Inc. KY$110.0M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 610354170 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.