# Journey Bank 401(k) Plan
Source: https://planprovider.pro/companies/first-columbia-bank-trust-co-401k-plan

> Journey Bank's 401(k) plan: 264 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Journey Bank

- **Sponsor EIN:** 240528723

- **Sponsor Address:** PO BOX 240, BLOOMSBURG, PA, 17815

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

- **Total Participants:** 264

- **Total Assets:** $18.5M

## 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|264|$18.5M|$678,204|$913,980|

| 2023|276|$15.8M|$296,013|$536,158|

| 2022|168|$15.3M|$260,568|$464,258|

## 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|

| EMPOWER ANNUITY INSURANCE CO.|RECORDKEEPER|$18,692|—|$18,692|

| CAMBRIDGE INVESTMENT RESEARCH INC.|INVESTMENT ADVISOR|$14,722|—|$14,722|

| LARSON, KELLETT & ASSOC., P.C.|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [LARSON, KELLETT & ASSOC., P.C.](https://planprovider.pro/provider/larson-kellett-and-associates-pc) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $33,414

- **Estimated Expense Ratio:** 0.180% 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|$39,030|$17,381|$2,558|—|—|

| 2023|$19,615|$1,000|$1,588|—|—|

| 2022|$19,706|—|—|—|—|

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[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/first-columbia-bank-trust-co-401k-plan)

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