Department of Labor filing

FNC, INC

FNC, INC SAVINGS AND INVESTMENT PLAN · For the plan year ended Sep 30, 2025

Public filing 2024 · received Jul 13, 2026Verified current terms Not available

Plan at a glance

How good does the filing look?

92filing comparison
out of 100

The filing signals stronger employer support and/or lower plan-paid administrative costs than many comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$5,178

Reported employer contributions per active participant.

Higher than about 89% of comparable plans

#People in the filing

277

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$15 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 98% of comparable plans

↗Investment performance

Not available

Plan assets changed -0.4%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202492out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions89th percentileTypical peer $2,644 · based on 109 comparable plans

Lower reported administrative expense98th percentileTypical peer $156 · based on 110 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Sep 30, 2025, FNC, INC reported $1,434,428 in employer contributions across the plan and 277 active participants. That works out to $5,178 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy72%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 3.8%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendUp 21.7%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context92/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $1,434,428
Participant contributions: $2,272,718
Other contributions: $352,997
Employer share of reported contributions: 38.7%
Beginning assets: $169,109,473
Ending assets: $168,470,947
Ending net assets: $168,470,947
Ending liabilities: $0
Total income: $19,751,486
Total expenses: $20,390,012
Administrative expenses: $5,597
Participant loans: $395,200

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$4,988

2023

$4,873

2024

$5,178

Plan-paid administrative expenses per participant

2022

$12

2023

$15

2024

$15

Active participants

2022

275

2023

275

2024

277

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$5,178	277	168.5M	20260713093856NAL0004967056001
2023	$4,873	275	169.1M	20250714125933NAL0001058961001
2022	$4,988	275	170M	20240712090310NAL0011122739001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.2%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 470832320-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Dec 24, 1953
Industry: Agriculture, forestry, fishing and hunting
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2H2J2K2O2Q2S2T3H

Current plan terms

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Filing ACK_ID20260713093856NAL0004967056001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗