Retirement plan

RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

Name: RIVER BANK AND TRUST - RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN (2016) Form 5500
Creator: RIVER BANK AND TRUST
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN, RIVER BANK AND TRUST

RIVER BANK AND TRUSTEIN 20-4303726Plan #001PY 2016

2611 LEGENDS DRIVE - PRATTVILLE, AL 36066334-290-1012riverbankandtrust.comLinkedIn201-500 employeesbanking

Prospect flagsRecently reached 100 employees

Top hat statement on fileNQDC

Filed April 21, 2026 (most recent of 4 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

PO Box 680249

Prattville, AL 36066

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Plans declared (1)

Plan name not on file1 emp

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Total assets (EOY)

$5.3M

No prior year

Total participants

142

No prior year

Average account balance

$42,412

No prior year

Annual return

27.77%

No prior year

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

$28.84M

Not enough data

1 years with asset history on file

Average account balance

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

$84K

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.

342

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.

72.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.89M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$7K

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

+22.82%

Not enough data

1 years with return on file

Admin fee / account holder

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

$23

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

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2G2J2K2O2T

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.
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.

Opportunity flags

1 tripped

InformationalRecently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.

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: WARREN AVERETT, LLC
Auditor EIN: 454084437
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$42,412

$74,089-42.8%

$133,981-68.3%

$55,167-23.1%

Participation rate

87.3%

84.3%+3.0pp

87.1%+0.2pp

69.0%+18.3pp

Annual return

27.77%

12.11%+15.7pp

29.30%-1.5pp

169.23%-141.5pp

Employer contribution / active EE

$2,224

$3,064-27.4%

$5,211-57.3%

$1,963+13.3%

Participant deferral / active EE

$3,957

$4,678-15.4%

$6,282-37.0%

$3,054+29.6%

Admin fee / account holder

$458-100.0%

$9,324-100.0%

$504-100.0%

RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Audit opinion

Benchmarks

Service providers

Opportunity flags

Audit opinion