Bay Coast Bank 401(k) match, vesting and fees
What Bay Coast Bank's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Epic Retirement Plan Services | Schedule C ↗ |
| Independent auditor | Cbiz Cpas P.C (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 208 defined-contribution plans in finance and insurance with 500 to 999 participants.
| Bay Coast Bank: employer contribution per participant | $2,212 | |
| Peer median | $3,090 |
| Bay Coast Bank: average balance | $132,725 | |
| Peer median | $119,169 |
| Bay Coast Bank: admin expenses ÷ assets | 0.14% | |
| Peer median | 0.10% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $61.5M at the end of plan year 2021 to $90.1M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 683 | $90.1M | $1.5M | $2,212 | 0.14% | Not published | Form 5500 ↗ |
| 2024 | 694 | $78.3M | $1.4M | $1,985 | 0.18% | Not published | Form 5500 ↗ |
| 2023 | 699 | $67.1M | $1.3M | $1,922 | 0.19% | Not published | Form 5500 ↗ |
| 2022 | 702 | $55.5M | $1.4M | $1,973 | 0.18% | Not published | Form 5500 ↗ |
| 2021 | 654 | $61.5M | $1.3M | $1,935 | 0.16% | Not published | Form 5500 ↗ |
Other Bay Coast Bank plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Baycoast Bank Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Cbiz Cpas P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Bay Coast Bank match 401(k) contributions?
The match terms for the Bay Coast Bank 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $1.5M in employer contributions, about $2,212 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Bay Coast Bank 401(k) match vested?
The vesting schedule for the Bay Coast Bank 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Bay Coast Bank 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Epic Retirement Plan Services. The plan administrator is Bay Coast Bank.
I left Bay Coast Bank. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Bay Coast Bank, (508) 678-7641) or the recordkeeper, Epic Retirement Plan Services. The Bay Coast Bank old 401(k) page lists the contacts from every plan filing. Find an old Bay Coast Bank 401(k)
Data from the public Form 5500 annual reports Bay Coast Bank filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Bay Coast Bank. Not financial advice. Report a correction · Methodology