# Ciera Bank 401(k) Plan
Source: https://planprovider.pro/companies/ciera-bank-401k-plan

> Ciera Bank's 401(k) plan: 117 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Ciera Bank

- **Sponsor EIN:** 750297800

- **Sponsor Address:** 623 ELM STREET, GRAHAM, TX, 76450

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

- **Total Participants:** 117

- **Total Assets:** $12.2M

## 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|117|$12.2M|$507,258|$705,428|

| 2023|115|$10.2M|$453,556|$650,050|

| 2022|111|$9.5M|$415,488|$562,319|

## 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|

| GLOBAL RETIREMENT PARTNERS LLC|INVESTMENT ADVISOR|$19,555|—|$19,555|

| CAPITAL GROUP RETIREMENT PLAN SVCS.|RECORDKEEPER|$15,833|—|$15,833|

| FREEMON, SHAPARD AND STORY|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [FREEMON, SHAPARD AND STORY](https://planprovider.pro/provider/freemon-shapard-and-story) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $35,388

- **Estimated Expense Ratio:** 0.289% 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|$35,388|$19,555|—|—|—|

| 2023|$43,692|$19,570|—|—|—|

| 2022|$43,888|—|$43,888|—|—|

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