Plan Snapshot
- Plan Sponsor: F.N.B. Corporation
- Sponsor EIN: 251255406
- Sponsor Address: ONE F.N.B. BOULEVARD, HERMITAGE, PA, 16148
- Plan Type: 401(k)
- Plan Number: 002
- Total Participants: 6,574
- Total Assets: $603.2M
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. |
|---|---|---|---|---|
| 2025 | 6,574 | $603.2M | $0 | $0 |
| 2024 | 4,294 | $531.5M | $18.5M | $29.8M |
| 2023 | 4,181 | $461.2M | $20.2M | $27.6M |
| 2022 | 4,187 | $385.5M | $20.3M | $25.0M |
| 2021 | 4,049 | $423.6M | $18.8M | $23.8M |
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 |
|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | Investment Advisor | $49,870 | — | $49,870 |
| FIDELITY INVESTMENTS INSTITUTIONAL | Recordkeeper | $34,763 | — | $34,763 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $84,633
- Estimated Expense Ratio: 0.014% 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 | $75,448,331 | $49,870 | $600 | — | — |
| 2024 | $91,458 | $27,783 | $1,800 | — | — |
| 2023 | $392,226 | $104,222 | $300 | — | — |
| 2022 | $212,441 | $4,256 | — | — | — |
| 2021 | $164,155 | $66,272 | — | — | — |