Exchange Bank 401(k) match, vesting and fees
What Exchange 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 Advisors | Schedule C ↗ |
| Independent auditor | Baker Tilly US, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 655 defined-contribution plans in finance and insurance with 500 to 999 participants.
| Exchange Bank: employer contribution per participant | $1,692 | |
| Peer median | $2,935 |
| Exchange Bank: average balance | $162,343 | |
| Peer median | $92,770 |
| Exchange Bank: admin expenses ÷ assets | <0.01% | |
| Peer median | 0.15% |
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 $105M at the end of plan year 2021 to $107M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 665 | $107M | $1.1M | $1,692 | <0.01% | Not published | Form 5500 ↗ |
| 2023 | 677 | $107M | $1.2M | $1,712 | <0.01% | Not published | Form 5500 ↗ |
| 2022 | 666 | $88.4M | $1.9M | $2,855 | <0.01% | Not published | Form 5500 ↗ |
| 2021 | 642 | $105M | $1.7M | $2,630 | <0.01% | Not published | Form 5500 ↗ |
Other Exchange Bank plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Exchange Bank 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 | Moss Adams LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does Exchange Bank match 401(k) contributions?
The match terms for the Exchange Bank Savings and Profit Sharing Plan have not been published from its filing yet. The plan year 2024 filing reports $1.1M in employer contributions, about $1,692 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Exchange Bank 401(k) match vested?
The vesting schedule for the Exchange Bank Savings and Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Exchange Bank 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Epic Advisors. The plan administrator is Exchange Bank.
I left Exchange Bank. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Exchange Bank, (707) 524-3000) or the recordkeeper, Epic Advisors. The Exchange Bank old 401(k) page lists the contacts from every plan filing. Find an old Exchange Bank 401(k)
Data from the public Form 5500 annual reports Exchange Bank filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) 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 Exchange Bank. Not financial advice. Report a correction · Methodology