Bay-Vanguard Federal Savings Bank 401(k) match, vesting and fees
What Bay-Vanguard Federal Savings 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 | Empower Annuity Insurance Co of Am | Schedule C ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Plan history
Plan assets went from $3.7M at the end of plan year 2021 to $7.4M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 113 | $7.4M | $87K | $1,013 | 0.35% | Not published | Form 5500 ↗ |
| 2024 | 116 | $6.1M | $92K | $1,108 | 0.20% | Not published | Form 5500 ↗ |
| 2023 | 98 | $4.7M | $79K | $1,085 | — | Not published | Form 5500 ↗ |
| 2022 | 97 | $3.2M | $72K | $968 | 0.25% | Not published | Form 5500 ↗ |
| 2021 | 88 | $3.7M | $261K | $3,675 | 0.28% | Not published | Form 5500 ↗ |
Other Bay-Vanguard Federal Savings Bank plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Bay-Vanguard Federal Savings Bank Employee Stock Ownership 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.
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Bay-Vanguard Federal Savings Bank match 401(k) contributions?
The match terms for the Bay-Vanguard Federal Savings Bank 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $87K in employer contributions, about $1,013 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Bay-Vanguard Federal Savings Bank 401(k) match vested?
The vesting schedule for the Bay-Vanguard Federal Savings Bank 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Bay-Vanguard Federal Savings Bank 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Co of Am. The plan administrator is Bay-Vanguard Federal Savings Bank.
I left Bay-Vanguard Federal Savings Bank. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Bay-Vanguard Federal Savings Bank, (410) 477-5000) or the recordkeeper, Empower Annuity Insurance Co of Am. The Bay-Vanguard Federal Savings Bank old 401(k) page lists the contacts from every plan filing. Find an old Bay-Vanguard Federal Savings Bank 401(k)
Data from the public Form 5500 annual reports Bay-Vanguard Federal Savings 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-Vanguard Federal Savings Bank. Not financial advice. Report a correction · Methodology