Community Financial Services 401(k) match, vesting and fees
What Community Financial Services' 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 Ins Co of America | Schedule C ↗ |
| Independent auditor | Harding Shymanski & Company (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Community Financial Services: employer contribution per participant | $1,503 | |
| Peer median | $3,122 |
| Community Financial Services: average balance | $18,383 | |
| Peer median | $111,687 |
| Community Financial Services: admin expenses ÷ assets | 0.44% | |
| Peer median | 0.20% |
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 $460K at the end of plan year 2022 to $4.1M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 250 | $4.1M | $334K | $1,503 | 0.44% | Not published | Form 5500 ↗ |
| 2024 | 245 | $2.7M | $317K | $1,510 | 0.23% | Not published | Form 5500 ↗ |
| 2023 | 258 | $1.6M | $304K | $1,399 | 0.29% | Not published | Form 5500 ↗ |
| 2022 | 257 | $460K | — | — | 0.16% | Not published | Form 5500 ↗ |
Other Community Financial Services plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Community Financial Services, Inc. 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.
| Recordkeeper | Retirement Management Services, LLC | Schedule C ↗ |
| Independent auditor | Harding Shymanski & Company (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Profit-sharing · Active | Form 5500 ↗ |
Common questions
Does Community Financial Services match 401(k) contributions?
The match terms for the Community Financial Services Bank 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $334K in employer contributions, about $1,503 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Community Financial Services 401(k) match vested?
The vesting schedule for the Community Financial Services Bank 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Community Financial Services 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Ins Co of America. The plan administrator is Community Financial Services, Inc..
I left Community Financial Services. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Community Financial Services, Inc., (270) 527-8616) or the recordkeeper, Empower Annuity Ins Co of America. The Community Financial Services old 401(k) page lists the contacts from every plan filing. Find an old Community Financial Services 401(k)
Data from the public Form 5500 annual reports Community Financial Services 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 Community Financial Services. Not financial advice. Report a correction · Methodology