Plan Ledger DOL Form 5500 · updated monthly

Vista Bancshares, Inc.401(k)

VISTA BANCSHARES 401(K)PROFIT SHARING PLAN · LUBBOCK, TX · plan year 2024

Reported admin expense ratio · 2024
0.16%

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

Vista Bancshares, Inc. reported $24,717 in plan administrative expenses for 2024: 0.16% of average plan assets, below the peer median. Employer contributions averaged $3,843 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 rose from 0.02% to 0.16%. 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 the 2,296th-largest of 5,688 plans among Texas employers on file, and 3,363rd of 4,798 in finance & insurance. In 2024, employees put in $1.59 for every $1.00 the employer contributed; active participation has grown from 139 to 206 since 2022.

Plan summary
Net assets, end of year$16,405,026
Participants with balances227
Active participants206
Employer contributions$791,612
Employee contributions$1,259,617
Employer contribution per active participant$3,843
Average account balance$72,269
Benefits paid to participants$1,605,828
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$16.4M · 227 accts · $792K emplr
2023$14.3M · 185 accts · $592K emplr
2022$13.3M · 153 accts · $463K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$20,690
Investment management$4,027
Total administrative$24,717
The Vista Bancshares, Inc. 401(k) match · 2024
Employer contribution per active participant$3,843
Median for plans this size$2,416
2024$3,843 per active participant
2023$3,364 per active participant
2022$3,329 per active participant

Vista Bancshares, Inc.'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 · 20243
EMPOWER ANNUITY INSURANCE CO AMER · Investment management$25,819
KB PENSION SERVICES INC. · Contract administrator · Plan administrator$1,260
KESTRA INVESTMENT SERVICES, INC.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 history3
2024$24,717 · 0.16%
2023$2,306 · 0.02%
2022$2,986 · 0.02%
Similar plansFinance & Insurance · Texas
First Service Credit Union TX$17.1M · 0.40%
Tf Holdings Inc. TX$16.8M · 0.07%
First State Bank TX$16.3M · 0.36%
Citizens, Inc. TX$16.1M · 0.31%
Lenders Protection, LLC TX$16.0M · 0.11%

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Source: U.S. Department of Labor, Form 5500 series, EIN 751940062 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.