Plan Snapshot
- Plan Sponsor: Blue Ridge Bank & Trust Company
- Sponsor EIN: 431550520
- Sponsor Address: 4200 LITTLE BLUE PARKWAY, INDEPENDENCE, MO, 64057
- Plan Type: 401(k)
- Plan Number: 001
- Total Participants: 161
- Total Assets: $11.4M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- 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. |
|---|---|---|---|---|
| 2025 | 161 | $11.4M | $0 | $0 |
| 2024 | 130 | $10.6M | $235,591 | $496,669 |
| 2023 | 130 | $9.6M | $230,628 | $522,147 |
| 2022 | 135 | $9.0M | $236,837 | $538,615 |
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 |
|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | Recordkeeper | $24,853 | — | $24,853 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $24,853
- Estimated Expense Ratio: 0.218% 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 |
|---|---|---|---|---|---|
| 2025 | $2,112,910 | — | — | — | — |
| 2024 | $23,562 | — | — | — | — |
| 2023 | $18,976 | — | — | — | — |
| 2022 | $23,219 | — | — | — | — |