National Bankshares 401(k) match, vesting and fees
What National Bankshares' 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.
| Independent auditor | Yount, Hyde & Barbour (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.
| National Bankshares: employer contribution per participant | $2,262 | |
| Peer median | $3,122 |
| National Bankshares: average balance | $79,636 | |
| Peer median | $111,687 |
| National Bankshares: admin expenses ÷ assets | 0.64% | |
| 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 $16.8M at the end of plan year 2021 to $18.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 240 | $18.9M | $536K | $2,262 | 0.64% | Not published | Form 5500 ↗ |
| 2024 | 236 | $18.2M | $476K | $2,062 | 0.63% | Not published | Form 5500 ↗ |
| 2023 | 252 | $16.7M | $446K | $2,113 | 0.63% | Not published | Form 5500 ↗ |
| 2022 | 237 | $14.4M | $393K | $1,878 | 0.61% | Not published | Form 5500 ↗ |
| 2021 | 229 | $16.8M | $402K | $1,907 | 0.65% | Not published | Form 5500 ↗ |
Other National Bankshares plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
National Bankshares, 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 | Transition Finance Services | Schedule C ↗ |
| Independent auditor | Yount, Hyde and Barbour, PC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
National Bankshares, Inc. Retirement Income 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 | Yount, Hyde, & Barbour (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does National Bankshares match 401(k) contributions?
The match terms for the National Bankshares, Inc. Retirement Accumulation Plan have not been published from its filing yet. The plan year 2025 filing reports $536K in employer contributions, about $2,262 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the National Bankshares 401(k) match vested?
The vesting schedule for the National Bankshares, Inc. Retirement Accumulation Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the National Bankshares 401(k)?
The filing names National Bankshares Inc. Retirement Accumulation Plan as plan administrator; it does not list a recordkeeper.
I left National Bankshares. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (National Bankshares Inc. Retirement Accumulation Plan, (540) 951-6300). The National Bankshares old 401(k) page lists the contacts from every plan filing. Find an old National Bankshares 401(k)
Data from the public Form 5500 annual reports National Bankshares 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 National Bankshares. Not financial advice. Report a correction · Methodology