Retirement plan

FIRST NATIONAL BANK OF ELK CITY EMPLOYEES' PROFIT SHARING PLAN

Name: FIRST NATIONAL BANK & TRUST, ELK CITY - FIRST NATIONAL BANK OF ELK CITY EMPLOYEES' PROFIT SHARING PLAN (2025) Form 5500
Creator: FIRST NATIONAL BANK & TRUST, ELK CITY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, FIRST NATIONAL BANK OF ELK CITY EMPLOYEES' PROFIT SHARING PLAN, FIRST NATIONAL BANK & TRUST, ELK CITY

FIRST NATIONAL BANK & TRUST, ELK CITYEIN 73-0227845Plan #002PY 2025

PO BOX 669 - ELK CITY, OK 73644580-225-2580fnbec.comLinkedIn11-50 employeesbanking

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$10.7M

-6.3% from 2024

Total participants

-4.8% from 2024

Average account balance

$273,160

-3.9% from 2024

Annual return

13.16%

+3.37 pp from 2024

Benchmarks

See 896 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort896 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$10.65M

Not enough data

1 years with asset history on file

Average account balance

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

$273K

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.

118.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$337K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+13.16%

Not enough data

1 years with return on file

Admin fee / account holder

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

$65528

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 codes2E3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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

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

$2.6M

$77443 / participant

Other / not subdivided$3M100.0%

% of EOY assets

23.989%

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

$273,160

$149,446+82.8%

$256,809+6.4%

$94,015+190.6%

Participation rate

97.0%

85.3%+11.7pp

88.5%+8.4pp

70.8%+26.1pp

Annual return

13.16%

17.55%-4.4pp

32.73%-19.6pp

17.84%-4.7pp

Employer contribution / active EE

$10,201

$4,596+122.0%

$7,263+40.5%

$2,790+265.6%

Participant deferral / active EE

$6,491-100.0%

$9,520-100.0%

$4,249-100.0%

Admin fee / account holder

$65,528

$24,035+172.6%

$25,146+160.6%

$8,951+632.1%

FIRST NATIONAL BANK OF ELK CITY EMPLOYEES' PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

FIRST NATIONAL BANK OF ELK CITY EMPLOYEES' PROFIT SHARING 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