Retirement plan

FIRST NATIONAL BANK OF RAYMOND EMPLOYEE STOCK OWNERSHIP PLAN

Name: FIRST NATIONAL BANK OF RAYMOND - FIRST NATIONAL BANK OF RAYMOND EMPLOYEE STOCK OWNERSHIP PLAN (2025) Form 5500
Creator: FIRST NATIONAL BANK OF RAYMOND
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, FIRST NATIONAL BANK OF RAYMOND EMPLOYEE STOCK OWNERSHIP PLAN, FIRST NATIONAL BANK OF RAYMOND

FIRST NATIONAL BANK OF RAYMONDEIN 37-0274800Plan #003PY 2025

403 EAST BROAD, BOX 469 - RAYMOND, IL 62560217-229-3701fnbraymond.comLinkedIn11-50 employeesbanking

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$3.3M

+8.4% from 2024

Total participants

-2.3% from 2024

Average account balance

$77,027

+5.8% from 2024

Annual return

19.34%

+20.37 pp from 2024

Benchmarks

See 2,730 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort2,730 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.31M

Not enough data

1 years with asset history on file

Average account balance

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

$77K

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.

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

$71K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+19.34%

Not enough data

1 years with return on file

Admin fee / account holder

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

$9705

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

0 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 codes2O2Q3D3H3I

Plan features

2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.
2Q
ESOP maintained by an S corporation
The employer maintaining this ESOP is an S corporation.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).
3I
Employer securities investment required
Plan requiring that all or part of employer contributions be invested and held at least for a limited period in employer securities.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$417K

$13910 / participant

Other / not subdivided$417K100.0%

% of EOY assets

12.599%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$77,027

$145,431-47.0%

$211,142-63.5%

$87,485-12.0%

Participation rate

100.0%

84.7%+15.3pp

87.3%+12.7pp

68.9%+31.1pp

Annual return

19.34%

27.21%-7.9pp

46.84%-27.5pp

26.06%-6.7pp

Employer contribution / active EE

$2,364

$4,662-49.3%

$6,442-63.3%

$2,596-8.9%

Participant deferral / active EE

$6,859-100.0%

$9,284-100.0%

$4,274-100.0%

Admin fee / account holder

$9,705

$17,052-43.1%

$19,076-49.1%

$7,775+24.8%

FIRST NATIONAL BANK OF RAYMOND EMPLOYEE STOCK OWNERSHIP PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

FIRST NATIONAL BANK OF RAYMOND EMPLOYEE STOCK OWNERSHIP 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