Retirement plan

CALIFORNIA BANK OF COMMERCE, NA 401(K) PROFIT SHARING PLAN

Name: CALIFORNIA BANK OF COMMERCE, N.A. - CALIFORNIA BANK OF COMMERCE, NA 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: CALIFORNIA BANK OF COMMERCE, N.A.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CALIFORNIA BANK OF COMMERCE, NA 401(K) PROFIT SHARING PLAN, CALIFORNIA BANK OF COMMERCE, N.A.

CALIFORNIA BANK OF COMMERCE, N.A.EIN 33-0956417Plan #002PY 2025

12265 EL CAMINO REAL, SUITE 210 - SAN DIEGO, CA 92130818-637-7059californiabankofcommerce.comLinkedIn201-500 employeesbanking

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$39.6M

+117.4% from 2024

Total participants

408

+76.6% from 2024

Average account balance

$99,431

+26.2% from 2024

Annual return

147.19%

+131.17 pp from 2024

Benchmarks

See 548 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort548 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$39.57M

Not enough data

1 years with asset history on file

Average account balance

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

$99K

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.

398

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.

96.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$5.80M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$20K

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

+147.19%

Not enough data

1 years with return on file

Admin fee / account holder

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

$208

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

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 4 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$66,703
KESTRA INVESTMENT SERVICES LLC3 years Service code 55 5707 SOUTHWEST PKWY · AUSTIN, TX 78735	Other Commissions	$46,479
RETIREMENT, LLC1 year Filed as: THE RETIREMENT COMPANY INC Service code 13 · EIN 95-3497679 2659 TOWNSGATE ROAD · WESTLAKE VILLAGE, CA 91361	Contract Administrator	$20,135
3 38 INVESTMENT FIDUCIARIES INC3 years Service code 27 3355 COCHRAN ST · SIMI VALLEY, CA 93063	Advisory (Plan)	$12,979

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

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.
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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

$83K

$288 / participant

Investment mgmt$63K76.7%
Contract admin$19K23.3%

% of EOY assets

0.209%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: REDWITZ, INC.
Auditor EIN: 330850406
Audit fees: (not subdivided)
Opinion code: Unqualified

Look up a plan sponsor by EIN. Free Form 5500 search. No signup.

Metric

This plan

Peer set

Industry

Size

Avg account balance

$99,431

$131,799-24.6%

$200,582-50.4%

$85,563+16.2%

Participation rate

96.5%

87.9%+8.6pp

86.9%+9.6pp

66.0%+30.6pp

Annual return

147.19%

21.59%+125.6pp

42.33%+104.9pp

31.51%+115.7pp

Employer contribution / active EE

$8,227

$4,532+81.5%

$6,419+28.2%

$2,654+210.0%

Participant deferral / active EE

$11,921

$7,702+54.8%

$9,331+27.8%

$4,375+172.5%

Admin fee / account holder

$208

$235-11.5%

$16,305-98.7%

$834-75.1%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64 · EIN 84-0467907

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$66,703

KESTRA INVESTMENT SERVICES LLC3 years

Service code 55

5707 SOUTHWEST PKWY · AUSTIN, TX 78735

Other Commissions

$46,479

RETIREMENT, LLC1 year

Filed as: THE RETIREMENT COMPANY INC

Service code 13 · EIN 95-3497679

2659 TOWNSGATE ROAD · WESTLAKE VILLAGE, CA 91361

Contract Administrator

$20,135

3 38 INVESTMENT FIDUCIARIES INC3 years

Service code 27

3355 COCHRAN ST · SIMI VALLEY, CA 93063

Advisory (Plan)

$12,979

CALIFORNIA BANK OF COMMERCE, NA 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CALIFORNIA BANK OF COMMERCE, NA 401(K) PROFIT SHARING 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