Helm Bank USA 401(k) match, vesting and fees
What Helm Bank USA'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 | John Hancock USA | Schedule C ↗ |
| Independent auditor | Perez-Abreu,aquerrebere,sueiro,torr (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Helm Bank USA: employer contribution per participant | $3,941 | |
| Peer median | $3,122 |
| Helm Bank USA: average balance | $124,640 | |
| Peer median | $111,687 |
| Helm Bank USA: 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 $25.9M at the end of plan year 2021 to $31M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 316 | $31M | $981K | $3,941 | 0.44% | Not published | Form 5500 ↗ |
| 2024 | 316 | $29.8M | $1M | $3,991 | 0.45% | Not published | Form 5500 ↗ |
| 2023 | 278 | $23.6M | $919K | $4,065 | 0.45% | Not published | Form 5500 ↗ |
| 2022 | 234 | $18.7M | $739K | $3,639 | 0.39% | Not published | Form 5500 ↗ |
| 2021 | 240 | $25.9M | $693K | $3,447 | 0.46% | Not published | Form 5500 ↗ |
Common questions
Does Helm Bank USA match 401(k) contributions?
The match terms for the Helm Bank USA 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $981K in employer contributions, about $3,941 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Helm Bank USA 401(k) match vested?
The vesting schedule for the Helm Bank USA 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Helm Bank USA 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is John Hancock USA. The plan administrator is Helm Bank USA.
I left Helm Bank USA. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Helm Bank USA, (305) 379-4356) or the recordkeeper, John Hancock USA. The Helm Bank USA old 401(k) page lists the contacts from every plan filing. Find an old Helm Bank USA 401(k)
Data from the public Form 5500 annual reports Helm Bank USA 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 Helm Bank USA. Not financial advice. Report a correction · Methodology