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 (2022) 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 2022

66 BENNING STREET, SUITE 5 - WEST LEBANON, NH 03784603-640-2699

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)

$18.6M

-23.3% from 2021

Total participants

149

0.0% from 2021

Average account balance

$124,560

-24.3% from 2021

Annual return

-16.25%

-33.49 pp from 2021

Benchmarks

See 2,163 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,163 peers

Snapshot2022

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

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Service providers

Top 2 by compensation

Provider	Service type	Compensation
BERRY DUNN1 year Filed as: BERRY DUNN MCNEIL & PARKER LLC Service code 10 · EIN 01-0523282 1000 ELM STREET · MANCHESTER, NH 03101	Accounting	$11,500
FIDELITY INVESTMENTS INSTITUTIONAL8+ years Service code 37 · EIN 04-2647786	Loan Processing	-$26,739

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

$6K

$57 / participant

Other / not subdivided$6K100.0%

% of EOY assets

0.035%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: WOLF & CO.
Auditor EIN: 042689883
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$124,560

$102,661+21.3%

$151,645-17.9%

$66,949+86.1%

Participation rate

100.0%

85.5%+14.5pp

87.5%+12.5pp

69.8%+30.2pp

Annual return

-16.25%

-10.81%-5.4pp

3.34%-19.6pp

1.57%-17.8pp

Employer contribution / active EE

$5,252

$4,184+25.5%

$6,165-14.8%

$2,545+106.4%

Participant deferral / active EE

$8,340

$6,645+25.5%

$8,363-0.3%

$4,239+96.7%

Admin fee / account holder

$43

$630-93.2%

$11,614-99.6%

$594-92.7%

Provider

Service type

Compensation

BERRY DUNN1 year

Filed as: BERRY DUNN MCNEIL & PARKER LLC

Service code 10 · EIN 01-0523282

1000 ELM STREET · MANCHESTER, NH 03101

Accounting

$11,500

FIDELITY INVESTMENTS INSTITUTIONAL8+ years

Service code 37 · EIN 04-2647786

Loan Processing

-$26,739

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