Retirement plan

ROYAL BANK EMPLOYEE STOCK OWNERSHIP AND RETIREMENT SAVINGS PLAN

Name: ROYAL BANCSHARES, INC. - ROYAL BANK EMPLOYEE STOCK OWNERSHIP AND RETIREMENT SAVINGS PLAN (2025) Form 5500
Creator: ROYAL BANCSHARES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROYAL BANK EMPLOYEE STOCK OWNERSHIP AND RETIREMENT SAVINGS PLAN, ROYAL BANCSHARES, INC.

ROYAL BANCSHARES, INC.EIN 39-1654381Plan #001PY 2025

202 MAIN STREET, P.O. BOX 10 - ELROY, WI 53929608-462-8401royalbankwi.comLinkedIn51-200 employeesbanking

Prospect flagsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$19.6M

+18.1% from 2024

Total participants

225

+6.1% from 2024

Average account balance

$88,177

-4.8% from 2024

Annual return

15.39%

+3.88 pp from 2024

Benchmarks

See 659 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort659 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$19.58M

Not enough data

1 years with asset history on file

Average account balance

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

$88K

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.

222

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.

98.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$953K

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

+15.39%

Not enough data

1 years with return on file

Admin fee / account holder

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

$390

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 6 by compensation

Provider	Service type	Compensation
OLSEN THIELEN & CO., LTD.6 years Filed as: OLSON THIELEN & CO., LTD. Service code 10 · EIN 41-1360831	Accounting	$13,800
BANKVALUE ADVISORY SERVICES11+ years Service code 34 1650 W 82ND ST · BLOOMINGTON, MN 55431	Valuation (appraisals, etc.)	$5,600
HOFMEISTER INSURANCE3 years Service code 23 PO BOX 428 · HILLSBORO, WI 54634	Insurance services	$5,000
RBC WEALTH MANAGEMENT2 years Filed as: RBC CAPITAL MARKETS Service code 26 · EIN 41-1416330	Advisory (Participants)	$0
STANCORP FINANCIAL GROUP2 years Filed as: STANCORP FINANCIAL Service code 12 · EIN 93-1253576	Claims processing; Recordkeeping and ...	$0
WIPFLI LLP6 years Service code 13 · EIN 39-0758449	Contract Administrator	$0

Plan features & details

Pension benefit codes2E2F2H2J2O2T

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).
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.
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

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$87K

$563 / participant

Recordkeeping$62K71.8%
Valuation$6K6.5%
Other / not subdivided$19K21.7%

% of EOY assets

0.443%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: OLSEN THIELEN & CO., LTD
Auditor EIN: 411360831
Audit fees: $13,800
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$88,177

$128,603-31.4%

$197,124-55.3%

$67,986+29.7%

Participation rate

98.1%

81.7%+16.4pp

86.7%+11.3pp

57.2%+40.8pp

Annual return

15.39%

23.77%-8.4pp

44.34%-29.0pp

31.67%-16.3pp

Employer contribution / active EE

$2,917

$4,379-33.4%

$6,227-53.2%

$2,019+44.5%

Participant deferral / active EE

$3,272

$6,840-52.2%

$9,135-64.2%

$3,358-2.6%

Admin fee / account holder

$390

$3,035-87.1%

$16,298-97.6%

$3,203-87.8%

Provider

Service type

Compensation

OLSEN THIELEN & CO., LTD.6 years

Filed as: OLSON THIELEN & CO., LTD.

Service code 10 · EIN 41-1360831

Accounting

$13,800

BANKVALUE ADVISORY SERVICES11+ years

Service code 34

1650 W 82ND ST · BLOOMINGTON, MN 55431

Valuation (appraisals, etc.)

$5,600

HOFMEISTER INSURANCE3 years

Service code 23

PO BOX 428 · HILLSBORO, WI 54634

Insurance services

$5,000

RBC WEALTH MANAGEMENT2 years

Filed as: RBC CAPITAL MARKETS

Service code 26 · EIN 41-1416330

Advisory (Participants)

STANCORP FINANCIAL GROUP2 years

Filed as: STANCORP FINANCIAL

Service code 12 · EIN 93-1253576

Claims processing; Recordkeeping and ...

WIPFLI LLP6 years

Service code 13 · EIN 39-0758449

Contract Administrator

ROYAL BANK EMPLOYEE STOCK OWNERSHIP AND RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROYAL BANK EMPLOYEE STOCK OWNERSHIP AND RETIREMENT SAVINGS 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