Retirement plan

LEDYARD NATIONAL BANK EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

Name: LEDYARD NATIONAL BANK - LEDYARD NATIONAL BANK EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST (2016) Form 5500
Creator: LEDYARD NATIONAL BANK
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, LEDYARD NATIONAL BANK EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST, LEDYARD NATIONAL BANK

LEDYARD NATIONAL BANKEIN 02-0435982Plan #003PY 2016

38 MAIN STREET - HANOVER, NH 03755603-640-2699

Prospect flagsNo flags tripped

Top hat statement on fileNQDC

Filed May 8, 2026 (most recent of 4 filings on file)

Plan administrator

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66 Benning Street

West Lebanon, NH 03784

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Plans declared (1)

Plan name not on file8 emp

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Total assets (EOY)

$11.5M

+7.8% from 2015

Total participants

134

+5.5% from 2015

Average account balance

$85,876

+1.3% from 2015

Annual return

7.95%

+6.95 pp from 2015

Benchmarks

See 2,214 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,214 peers

Snapshot2016

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$20.57M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$119K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

173

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.56M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$12K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+12.15%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$340

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 1 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL2+ years Service code 37 · EIN 04-2647786	Loan Processing	$1,425

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$1K

$13 / participant

Other / not subdivided$1K100.0%

% of EOY assets

0.012%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: BERRYDUNN
Auditor EIN: 010523282
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$85,876

$74,089+15.9%

$133,975-35.9%

$55,167+55.7%

Participation rate

100.0%

84.3%+15.7pp

87.1%+12.9pp

69.0%+31.0pp

Annual return

7.95%

12.11%-4.2pp

29.29%-21.3pp

169.23%-161.3pp

Employer contribution / active EE

$3,911

$3,064+27.7%

$5,211-24.9%

$1,963+99.3%

Participant deferral / active EE

$6,411

$4,678+37.1%

$6,282+2.1%

$3,054+109.9%

Admin fee / account holder

$11

$458-97.7%

$9,324-99.9%

$504-97.9%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL2+ years

Service code 37 · EIN 04-2647786

Loan Processing

$1,425

LEDYARD NATIONAL BANK EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

LEDYARD NATIONAL BANK EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion