Retirement plan

CARROLLTON BANK EMPLOYEES 401(K) AND PROFIT SHARING PLAN

Name: CARROLLTON BANK - CARROLLTON BANK EMPLOYEES 401(K) AND PROFIT SHARING PLAN (2025) Form 5500
Creator: CARROLLTON BANK
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CARROLLTON BANK EMPLOYEES 401(K) AND PROFIT SHARING PLAN, CARROLLTON BANK

CARROLLTON BANKEIN 37-0207180Plan #001PY 2025

315 SIXTH ST. PO BOX 232 - CARROLLTON, IL 62016217-942-9308carrolltonbanking.comLinkedIn201-500 employeesbanking

Prospect flagsHigh feesHigh assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$108.6M

+15.3% from 2024

Total participants

348

+0.6% from 2024

Average account balance

$327,049

+12.2% from 2024

Annual return

15.68%

+2.38 pp from 2024

Benchmarks

See 548 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants250-999

Cohort548 peers

Snapshot2025

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Analytics

Total assets (EOY)

Plan-year ending balance

$108.58M

Not enough data

1 years with asset history on file

Average account balance

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

$327K

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.

332

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.

94.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$7.57M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$25K

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

+15.68%

Not enough data

1 years with return on file

Admin fee / account holder

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

$824

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 4 by compensation

Provider	Service type	Compensation
MONETA GROUP LLC6 years Service code 27 · EIN 20-1903821	Advisory (Plan)	$146,902
EPIC RETIREMENT PLAN SERVICES8 years Service code 15 · EIN 16-1450952	Recordkeeping	$126,639
CHARLES SCHWAB & CO., INC.6 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259	Securities Custodian	$33,458
CHARLES SCHWAB & CO., INC.7 years Service code 59 · EIN 94-1737782	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2A2E2H2G2J2K2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$274K

$909 / participant

Recordkeeping$127K46.3%
Investment mgmt$147K53.7%

% of EOY assets

0.252%

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: SCHEFFEL AND COMPANY P.C.
Auditor EIN: 371206530
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$327,049

$131,799+148.1%

$200,582+63.0%

$85,563+282.2%

Participation rate

94.7%

87.9%+6.8pp

86.9%+7.8pp

66.0%+28.7pp

Annual return

15.68%

21.59%-5.9pp

42.33%-26.7pp

31.51%-15.8pp

Employer contribution / active EE

$15,128

$4,532+233.8%

$6,419+135.7%

$2,654+470.1%

Participant deferral / active EE

$10,033

$7,702+30.3%

$9,331+7.5%

$4,375+129.3%

Admin fee / account holder

$824

$235+250.5%

$16,305-94.9%

$834-1.2%

Provider

Service type

Compensation

MONETA GROUP LLC6 years

Service code 27 · EIN 20-1903821

Advisory (Plan)

$146,902

EPIC RETIREMENT PLAN SERVICES8 years

Service code 15 · EIN 16-1450952

Recordkeeping

$126,639

CHARLES SCHWAB & CO., INC.6 years

Filed as: CHARLES SCHWAB TRUST BANK

Service code 19 · EIN 82-3967259

Securities Custodian

$33,458

CHARLES SCHWAB & CO., INC.7 years

Service code 59 · EIN 94-1737782

Shareholder Servicing

CARROLLTON BANK EMPLOYEES 401(K) AND PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CARROLLTON BANK EMPLOYEES 401(K) AND 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