# Farmers And Merchants Trust Company 401(k) Plan
Source: https://planprovider.pro/companies/farmers-and-merchants-trust-company-401k-plan

> Farmers And Merchants Trust Company's 401(k) plan: 289 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Farmers And Merchants Trust Company

- **Sponsor EIN:** 230570230

- **Sponsor Address:** 1500 NITTERHOUSE DRIVE, CHAMBERSBURG, PA, 17201

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

- **Total Participants:** 289

- **Total Assets:** $40.5M

## 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|289|$40.5M|$1.4M|$1.9M|

| 2023|282|$35.6M|$1.4M|$1.7M|

| 2022|270|$31.8M|$1.3M|$1.5M|

## 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|

| BENEFIT PLANS ADMIN SERVICES INC|NONE|$63,635|—|$63,635|

| SMITH ELLIOTT KEARNS & COMPANY, LLC|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [BENEFIT PLANS ADMIN SERVICES INC](https://planprovider.pro/provider/bpas) — NONE

- [SMITH ELLIOTT KEARNS & COMPANY, LLC](https://planprovider.pro/provider/smith-elliott-kearns-and-company-llc) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $63,635

- **Estimated Expense Ratio:** 0.157% 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|$63,635|$29,523|$33,833|—|—|

| 2023|$60,057|$27,190|$32,482|—|—|

| 2022|$60,168|$26,732|$32,946|—|—|

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