# Penns Woods Bancorp, INC. 401(k) Plan
Source: https://planprovider.pro/companies/penns-woods-bancorp-inc-401k-plan

> Penns Woods Bancorp, INC.'s 401(k) plan: 314 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Penns Woods Bancorp, INC.

- **Sponsor EIN:** 232226454

- **Sponsor Address:** 300 MARKET STREET, WILLIAMSPORT, PA, 177030967

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

- **Total Participants:** 314

- **Total Assets:** $22.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** Yes

- **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|314|$22.2M|$610,462|$1.4M|

| 2023|297|$18.5M|$540,907|$1.3M|

| 2022|298|$14.6M|$547,898|$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|

| FIDELITY INVESTMENTS INSTITUTIONAL|RECORDKEEPER|$51,575|—|$51,575|

| CETERA INVESTMENT ADVISORS LLC|ADVISOR|$18,750|—|$18,750|

| STRATEGIC ADVISORS, INC.|ADVISOR|$5,451|—|$5,451|

| S.R. SNODGRASS, P.C.|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [FIDELITY INVESTMENTS INSTITUTIONAL](https://planprovider.pro/provider/fidelity-investments) — RECORDKEEPER

- [STRATEGIC ADVISORS, INC.](https://planprovider.pro/provider/creative-planning) — ADVISOR

- [S.R. SNODGRASS, P.C.](https://planprovider.pro/provider/s-r-snodgrass-pc) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $75,776

- **Estimated Expense Ratio:** 0.341% 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|$75,776|$24,201|—|—|—|

| 2023|$59,391|$18,489|—|—|—|

| 2022|$58,901|$2,020|—|—|—|

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