Retirement plan

BANNER COUNTY BAN CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

Name: BANNER COUNTY BAN CORPORATION - BANNER COUNTY BAN CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN & TRUST (2025) Form 5500
Creator: BANNER COUNTY BAN CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BANNER COUNTY BAN CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN & TRUST, BANNER COUNTY BAN CORPORATION

BANNER COUNTY BAN CORPORATIONEIN 47-0678924Plan #002PY 2025

205 STATE STREET, PO BOX 87 - HARRISBURG, NE 69345308-436-5024LinkedIn11-50 employeesbanking

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$25.1M

+21.4% from 2024

Total participants

+17.1% from 2024

Average account balance

$282,019

+3.7% from 2024

Annual return

25.87%

+3.97 pp from 2024

Benchmarks

See 179 peers

Peer group

Industry55 - Management of Companies and Enterprises

Plan typeDefined contribution

Participants25-99

Cohort179 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$25.10M

Not enough data

1 years with asset history on file

Average account balance

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

$282K

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

$520K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+25.87%

Not enough data

1 years with return on file

Admin fee / account holder

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

$16176

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 codes2E2H2J2O3D2F2Q3H

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.
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)).

Opportunity flags

2 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$1.4M

$24402 / participant

Other / not subdivided$1M100.0%

% of EOY assets

5.736%

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

$282,019

$107,079+163.4%

$151,266+86.4%

$87,485+222.4%

Participation rate

100.0%

71.1%+28.9pp

77.0%+23.0pp

68.9%+31.1pp

Annual return

25.87%

22.17%+3.7pp

180.60%-154.7pp

26.06%-0.2pp

Employer contribution / active EE

$3,983

$3,174+25.5%

$4,237-6.0%

$2,596+53.4%

Participant deferral / active EE

$4,827

$5,789-16.6%

$7,337-34.2%

$4,274+13.0%

Admin fee / account holder

$16,176

$8,059+100.7%

$13,159+22.9%

$7,775+108.1%

BANNER COUNTY BAN CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BANNER COUNTY BAN CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN & TRUST

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