# First Northern Bank & Trust Co. 401(k) Plan
Source: https://planprovider.pro/companies/first-northern-bank-trust-co-401k-plan

> First Northern Bank & Trust Co.'s 401(k) plan: 130 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** First Northern Bank & Trust Co.

- **Sponsor EIN:** 240579220

- **Sponsor Address:** FOURTH STREET LAFAYETTE AVE, PALMERTON, PA, 18071

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

- **Total Participants:** 130

- **Total Assets:** $19.4M

## 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.|

| 2024|130|$19.4M|$176,466|$410,637|

| 2023|108|$20.2M|$179,311|$435,977|

| 2022|112|$18.9M|$182,165|$444,047|

## 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|

| MERRILL LYNCH PIERCE FENNER & SMITH|CONSULTANT|$53,579|$824|$54,403|

| PRINCIPAL LIFE INSURANCE COMPANY|CONTRACT ADMINISTRATOR|$25,162|—|$25,162|

| DUNBAR BENDER & ZAPF INC|CONTRACT ADMINISTRATOR|$4,600|$9,567|$14,167|

| ROBERT ROSSI & CO.|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [DUNBAR BENDER & ZAPF INC](https://planprovider.pro/provider/john-hancock) — CONTRACT ADMINISTRATOR

- [ROBERT ROSSI & CO.](https://planprovider.pro/provider/robert-rossi-and-co) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $93,732

- **Estimated Expense Ratio:** 0.482% 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|$83,341|$53,579|$29,762|—|—|

| 2023|$63,263|—|$63,263|—|—|

| 2022|$99,564|$75,582|$23,982|—|—|

## Similar Plans

- [Penns Woods Bancorp, INC.](https://planprovider.pro/companies/penns-woods-bancorp-inc-401k-plan) — 314 participants

- [Nextier Bank, N.A.](https://planprovider.pro/companies/nextier-bank-n-a-401k-plan) — 316 participants

- [Peoplesbank](https://planprovider.pro/companies/peoplesbank-401k-plan-002-2030) — 321 participants

- [Ameriserv Financial](https://planprovider.pro/companies/ameriserv-financial-401k-plan) — 350 participants

- [Acnb Bank](https://planprovider.pro/companies/acnb-bank-401k-plan) — 352 participants

- [Citizens & Northern Corporation](https://planprovider.pro/companies/citizens-northern-corporation-plan-003) — 364 participants

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

© 2026 PlanProvider.Pro