Plan Ledger DOL Form 5500 · updated monthly

The Juniata Valley Bank401(k)

THE JUNIATA VALLEY BANK 401(K) PLAN · MIFFLINTOWN, PA · plan year 2024

Reported admin expense ratio · 2024
0.02%

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

The Juniata Valley Bank reported $2,220 in plan administrative expenses for 2024: 0.02% of average plan assets, lower than ~75% of peers. Employer contributions averaged $3,242 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 0.022% to 0.016%. 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 among the smaller plans on file in Pennsylvania (1,834th of 3,651), and 3,490th of 4,798 in finance & insurance. In 2024, employees put in $1.17 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$15,153,805
Participants with balances213
Active participants154
Employer contributions$499,230
Employee contributions$586,251
Employer contribution per active participant$3,242
Average account balance$71,145
Benefits paid to participants$697,397
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$15.2M · 213 accts · $499K emplr
2023$13.0M · 206 accts · $492K emplr
2022$11.4M · 210 accts · $482K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$2,220
Total administrative$2,220
The The Juniata Valley Bank 401(k) match · 2024
Employer contribution per active participant$3,242
Median for plans this size$2,416
2024$3,242 per active participant
2023$3,078 per active participant
2022$3,050 per active participant

The Juniata Valley Bank'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 · 20246
CHARLES SCHWAB & CO., INC. · Custodial (securities)indirect comp
AMERICAN CENTURY INVESTMENT INC · Investment managementindirect comp
FIDELITY & RESEARCH COMPANY · Investment managementindirect comp
JP MORGAN INVESTMENT INC · Investment managementindirect comp
GOLDMAN SACHS ASSET LP · Investment managementindirect comp
BOSTON TRUST WALDEN · Investment managementindirect comp

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$2,220 · 0.02%
2023$2,280 · 0.02%
2022$2,760 · 0.02%
Same employer
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At Retirement Services PA$16.2M · 0.63%
Mortgage Connect, LP PA$15.7M · 0.94%
Spring Eq LLC PA$15.6M · 0.48%
Reliance Savings Bank PA$14.6M · 0.03%
Widget Federal Credit Union PA$14.5M · 0.02%
Kismet Peo, LLC PA$13.8M · 0.39%

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Source: U.S. Department of Labor, Form 5500 series, EIN 230741266 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.