Central Pacific Financial 401(k) match, vesting and fees
What Central Pacific Financial'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 | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | Crowe LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 214 defined-contribution plans in finance and insurance with 1,000 to 4,999 participants.
| Central Pacific Financial: employer contribution per participant | $1,883 | |
| Peer median | $3,266 |
| Central Pacific Financial: average balance | $164,260 | |
| Peer median | $137,177 |
| Central Pacific Financial: admin expenses ÷ assets | 0.04% | |
| Peer median | 0.08% |
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 $178M at the end of plan year 2021 to $211M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 1,301 | $211M | $2.4M | $1,883 | 0.04% | Not published | Form 5500 ↗ |
| 2024 | 1,320 | $188M | $2.3M | $1,784 | 0.05% | Not published | Form 5500 ↗ |
| 2023 | 1,329 | $172M | $2.4M | $1,832 | 0.08% | Not published | Form 5500 ↗ |
| 2022 | 1,331 | $149M | $2.4M | $1,823 | 0.08% | Not published | Form 5500 ↗ |
| 2021 | 1,330 | $178M | $548K | $416 | 0.08% | Not published | Form 5500 ↗ |
Other Central Pacific Financial plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Central Pacific Financial Corp. Defined Benefit Retirement 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 | Crowe LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does Central Pacific Financial match 401(k) contributions?
The match terms for the Central Pacific Bank 401(k) Retirement Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $2.4M in employer contributions, about $1,883 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Central Pacific Financial 401(k) match vested?
The vesting schedule for the Central Pacific Bank 401(k) Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Central Pacific Financial 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is The Vanguard Group, Inc.. The plan administrator is Central Pacific Bank.
I left Central Pacific Financial. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Central Pacific Bank, (808) 544-0762) or the recordkeeper, The Vanguard Group, Inc.. The Central Pacific Financial old 401(k) page lists the contacts from every plan filing. Find an old Central Pacific Financial 401(k)
Data from the public Form 5500 annual reports Central Pacific Financial 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 Central Pacific Financial. Not financial advice. Report a correction · Methodology