# American Riviera Bank 401(k) Plan
Source: https://planprovider.pro/companies/american-riviera-bank-401k-plan

> American Riviera Bank's 401(k) plan: 132 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** American Riviera Bank

- **Sponsor EIN:** 205071344

- **Sponsor Address:** 1033 ANACAPA ST, SANTA BARBARA, CA, 931012102

- **Plan Type:** 401(k)

- **Total Participants:** 132

- **Total Assets:** $19.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|132|$19.2M|$568,716|$1.2M|

| 2023|134|$16.4M|$570,372|$1.2M|

| 2022|128|$12.4M|$501,776|$1.1M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| CHANNEL WEALTH LLC|ADVISOR|$30,219|—|$30,219|

| MUN CPAS, LLP|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MUN CPAS, LLP](https://planprovider.pro/provider/mun-cpas-llp) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $30,219

- **Estimated Expense Ratio:** 0.158% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$38,491|$30,219|—|—|—|

| 2023|$33,495|$18,753|—|—|—|

| 2022|$29,434|—|—|—|—|

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