Retirement plan

BANCPLUS CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN W/ 401(K) PROVISIONS

Name: BANCPLUS CORPORATION - BANCPLUS CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN W/ 401(K) PROVISIONS (2025) Form 5500
Creator: BANCPLUS CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BANCPLUS CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN W/ 401(K) PROVISIONS, BANCPLUS CORPORATION

BANCPLUS CORPORATIONEIN 64-0655312Plan #001PY 2025

1068 HIGHLAND COLONY PKWY - RIDGELAND, MS 39157601-898-4465LinkedIn1001-5000 employeesbanking

Prospect flagsLow participant contribution

How to read this page

Total assets (EOY)

$180.2M

+9.5% from 2024

Total participants

1,697

+16.6% from 2024

Average account balance

$131,467

+14.4% from 2024

Annual return

17.80%

+1.87 pp from 2024

Benchmarks

See 88 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants1,000-4,999

Cohort88 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$180.24M

Not enough data

1 years with asset history on file

Average account balance

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

$131K

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.

1,371

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.

76.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$10.90M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+17.80%

Not enough data

1 years with return on file

Admin fee / account holder

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

$101

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 2 by compensation

Provider	Service type	Compensation
EPIC RETIREMENT PLAN SERVICES7 years Service code 15 · EIN 16-1450952	Recordkeeping	$106,130
MID ATLANTIC CAPITAL CORPORATION1 year Filed as: MID ATLANTIC TRUST COMPANY Service code 19 · EIN 27-3169253	Securities Custodian	$31,898

Plan features & details

Pension benefit codes2F2H2I2J2K2O3I

Plan features

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.
2I
Stock bonus
Stock bonus plan.
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.
2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.
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

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

Expense breakdown

Schedule H Part II

Admin total

$138K

$101 / participant

Recordkeeping$106K76.9%
Trustee / custodial$32K23.1%

% of EOY assets

0.077%

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: FORVIS MAZARS, LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$131,467

$150,494-12.6%

$199,883-34.2%

$100,573+30.7%

Participation rate

76.2%

91.1%-14.8pp

86.8%-10.5pp

70.9%+5.3pp

Annual return

17.80%

16.14%+1.7pp

43.81%-26.0pp

18.89%-1.1pp

Employer contribution / active EE

$3,355

$5,383-37.7%

$6,261-46.4%

$3,763-10.8%

Participant deferral / active EE

$4,594

$9,302-50.6%

$9,138-49.7%

$4,921-6.6%

Admin fee / account holder

$101

$162-38.0%

$17,268-99.4%

$454-77.8%

Provider

Service type

Compensation

EPIC RETIREMENT PLAN SERVICES7 years

Service code 15 · EIN 16-1450952

Recordkeeping

$106,130

MID ATLANTIC CAPITAL CORPORATION1 year

Filed as: MID ATLANTIC TRUST COMPANY

Service code 19 · EIN 27-3169253

Securities Custodian

$31,898

BANCPLUS CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN W/ 401(K) PROVISIONS

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BANCPLUS CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN W/ 401(K) PROVISIONS

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