Retirement plan

COMMERCIAL BANK & TRUST OF PA EMPLOYEES' PROFIT SHARING RETIREMENT PLAN

Name: COMMERCIAL BANK & TRUST OF PA - COMMERCIAL BANK & TRUST OF PA EMPLOYEES' PROFIT SHARING RETIREMENT PLAN (2025) Form 5500
Creator: COMMERCIAL BANK & TRUST OF PA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COMMERCIAL BANK & TRUST OF PA EMPLOYEES' PROFIT SHARING RETIREMENT PLAN, COMMERCIAL BANK & TRUST OF PA

COMMERCIAL BANK & TRUST OF PAEIN 25-0415360Plan #001PY 2025

900 LIGONIER STREET, P.O. BOX 429 - LATROBE, PA 156500429724-539-3501cnbthebankonline.comLinkedIn51-200 employeesbanking

Prospect flagsLow returnsLow participant contribution

How to read this page

Total assets (EOY)

$20M

+10.8% from 2024

Total participants

110

0.0% from 2024

Average account balance

$190,309

+10.8% from 2024

Annual return

10.25%

+0.71 pp from 2024

Benchmarks

See 4,989 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort4,989 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$19.98M

Not enough data

1 years with asset history on file

Average account balance

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

$190K

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.

105

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.

93.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$458K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+10.25%

Not enough data

1 years with return on file

Admin fee / account holder

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

$152

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
ALERUS FINANCIAL, N.A.11+ years Service code 15 · EIN 45-6062081 401 DEMERS AVENUE · GRAND FORKS, ND 58201	Recordkeeping	$14,840

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

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$16K

$209 / participant

Recordkeeping$1K6.8%
Trustee / custodial$14K89.1%
Contract admin$6574.1%

% of EOY assets

0.080%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: BAKER TILLY US, LLP
Auditor EIN: 301413443
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$190,309

$146,267+30.1%

$197,124-3.5%

$82,448+130.8%

Participation rate

93.4%

84.0%+9.4pp

86.7%+6.7pp

68.1%+25.4pp

Annual return

10.25%

29.61%-19.4pp

44.34%-34.1pp

41.64%-31.4pp

Employer contribution / active EE

$3,011

$4,723-36.2%

$6,227-51.6%

$2,551+18.1%

Participant deferral / active EE

$3,019

$7,035-57.1%

$9,135-66.9%

$4,139-27.1%

Admin fee / account holder

$152

$14,422-98.9%

$16,298-99.1%

$7,234-97.9%

Provider

Service type

Compensation

ALERUS FINANCIAL, N.A.11+ years

Service code 15 · EIN 45-6062081

401 DEMERS AVENUE · GRAND FORKS, ND 58201

Recordkeeping

$14,840

COMMERCIAL BANK & TRUST OF PA EMPLOYEES' PROFIT SHARING RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

COMMERCIAL BANK & TRUST OF PA EMPLOYEES' PROFIT SHARING RETIREMENT PLAN

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