Retirement plan

PLAINS COMMERCE BANK RETIREMENT PLAN

Name: PLAINS COMMERCE BANK - PLAINS COMMERCE BANK RETIREMENT PLAN (2015) Form 5500
Creator: PLAINS COMMERCE BANK
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PLAINS COMMERCE BANK RETIREMENT PLAN, PLAINS COMMERCE BANK

PLAINS COMMERCE BANKEIN 46-0108210Plan #001PY 2015

PO BOX 1059 - ABERDEEN, SD 574021059605-948-2216plainspay.comLinkedIn201-500 employeesbanking

Prospect flagsNo flags tripped

Top hat statement on fileNQDC

Filed April 16, 2026

Plan administrator

Plan administrator name— Sign in and upgrade to view

3905 W 49th St.

Sioux Falls, SD 57106

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Plans declared (1)

Executive Bonus Plan6 emp

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Total assets (EOY)

$8.2M

No prior year

Total participants

144

No prior year

Average account balance

$57,862

No prior year

Annual return

-0.02%

No prior year

Benchmarks

See 2,156 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,156 peers

Snapshot2015

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

Analytics

Total assets (EOY)

Plan-year ending balance

$37.84M

Not enough data

1 years with asset history on file

Average account balance

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

$68K

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.

558

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.

98.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.86M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$11K

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

+18.55%

Not enough data

1 years with return on file

Admin fee / account holder

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

$234

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 2 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290	Contract Administrator	$26,847
MUNGER, SCOTT M.1+ years Service code 49 109 1ST AVE SE · WATERTOWN, SD 572013614	Other Services	$1,127

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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$27K

$207 / participant

Contract admin$27K100.0%

% of EOY assets

0.327%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: EIDE BAILLY LLP
Auditor EIN: 450250958
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$57,862

$70,667-18.1%

$123,105-53.0%

$52,331+10.6%

Participation rate

98.5%

83.7%+14.7pp

86.8%+11.7pp

68.1%+30.4pp

Annual return

-0.02%

6.23%-6.3pp

13.22%-13.2pp

4.54%-4.6pp

Employer contribution / active EE

$4,067

$2,946+38.0%

$5,151-21.1%

$1,882+116.1%

Participant deferral / active EE

$3,966

$4,493-11.7%

$6,229-36.3%

$3,022+31.2%

Admin fee / account holder

$189

$506-62.7%

$9,014-97.9%

$592-68.0%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY1+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$26,847

MUNGER, SCOTT M.1+ years

Service code 49

109 1ST AVE SE · WATERTOWN, SD 572013614

Other Services

$1,127

PLAINS COMMERCE BANK RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PLAINS COMMERCE BANK RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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