# Oak Valley Community Bank 401(k) Plan
Source: https://planprovider.pro/companies/oak-valley-community-bank-401k-plan

> Oak Valley Community Bank's 401(k) plan: 213 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Oak Valley Community Bank

- **Sponsor EIN:** 770262278

- **Sponsor Address:** 125 NORTH THIRD AVE, OAKDALE, CA, 95361

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

- **Total Participants:** 213

- **Total Assets:** $33.4M

## 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|213|$33.4M|$1.2M|$1.7M|

| 2023|201|$33.1M|$1.1M|$1.4M|

| 2022|181|$25.6M|$921,098|$1.2M|

## 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|INVESTMENT ADVISOR|$30,275|—|$30,275|

| EMPOWER ADVISORY GROUP, LLC|INVESTMENT MGMT|$20,122|—|$20,122|

| EMPOOWER ANNUITY INSURANCE CO. USA|RECORDKEEPER|$16,924|—|$16,924|

| PENSION MANAGEMENT CONSULTANTS, INC|CONTRACT ADMIN|$6,590|—|$6,590|

| GRIMBLEBY COLEMAN ADVISORS & ACNTS|Auditor|—|—|$0|

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $73,911

- **Estimated Expense Ratio:** 0.221% 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|$83,051|$83,051|—|—|—|

| 2023|$69,669|$69,669|—|—|—|

| 2022|$62,042|$62,042|—|—|—|

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