Unity Bank 401(k) match, vesting and fees
What Unity 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 | Empower Annuity Insurance Company O | Schedule C ↗ |
| Independent auditor | Caron & Bletzer (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.
| Unity Bank: employer contribution per participant | $3,046 | |
| Peer median | $3,122 |
| Unity Bank: average balance | $73,323 | |
| Peer median | $111,687 |
| Unity Bank: admin expenses ÷ assets | 0.23% | |
| 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 $19.3M at the end of plan year 2021 to $25M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 345 | $25M | $1M | $3,046 | 0.23% | Not published | Form 5500 ↗ |
| 2024 | 331 | $21.6M | $898K | $2,720 | 0.14% | Not published | Form 5500 ↗ |
| 2023 | 325 | $20.2M | $840K | $2,585 | 0.13% | Not published | Form 5500 ↗ |
| 2022 | 301 | $17.2M | $780K | $2,591 | 0.20% | Not published | Form 5500 ↗ |
| 2021 | 286 | $19.3M | $754K | $2,635 | 0.10% | Not published | Form 5500 ↗ |
Common questions
Does Unity Bank match 401(k) contributions?
The match terms for the Unity Bank Employees' Savings & Profit Sharing Plan and Trust have not been published from its filing yet. The plan year 2025 filing reports $1M in employer contributions, about $3,046 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Unity Bank 401(k) match vested?
The vesting schedule for the Unity Bank Employees' Savings & Profit Sharing Plan and Trust is not in the data published so far. Your Summary Plan Description states it.
Who manages the Unity Bank 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company O. The plan administrator is Unity Bank.
I left Unity Bank. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Unity Bank, (908) 713-4393) or the recordkeeper, Empower Annuity Insurance Company O. The Unity Bank old 401(k) page lists the contacts from every plan filing. Find an old Unity Bank 401(k)
Data from the public Form 5500 annual reports Unity Bank 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 Unity Bank. Not financial advice. Report a correction · Methodology