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Department of Labor filing

INTERCREDIT BANK, N.A.

INTERCREDIT BANK, N.A. 401(K) PLAN · For the plan year ended Dec 31, 2024

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Public filing 2024 · received Nov 4, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

15filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support
$1,941

Reported employer contributions per active participant.

Higher than about 18% of comparable plans
#People in the filing
109

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.
¢Visible plan-paid fees
$456 / participant

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

Lower cost than about 7% of comparable plans
↗Investment performance
Not available

Plan assets changed 2.0%, 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 · 202415out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions18th percentileTypical peer $3,279 · based on 1,427 comparable plans
Lower reported administrative expense7th percentileTypical peer $184 · based on 1,443 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 Dec 31, 2024, INTERCREDIT BANK, N.A. reported $211,567 in employer contributions across the plan and 109 active participants. That works out to $1,941 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 proxy75%

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 trendDown 8.1%

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

Expense trendDown 3.4%

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

Peer context15/100

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
$211,567
Participant contributions
$435,045
Other contributions
$171,048
Employer share of reported contributions
32.7%
Beginning assets
$7,021,295
Ending assets
$7,159,023
Ending net assets
$7,159,023
Ending liabilities
$0
Total income
$1,651,287
Total expenses
$1,513,559
Administrative expenses
$46,068
Participant loans
$200,236

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
$2,113
2023
$2,075
2024
$1,941
Plan-paid administrative expenses per participant
2022
$472
2023
$481
2024
$456
Active participants
2022
81
2023
93
2024
109
Detailed filing history
Plan yearPer active participantActive participantsPlan assetsFiling ID
2024$1,9411097.2M20251104175101NAL0020097490001
2023$2,075937M20240904140450NAL0020290081001
2022$2,113816.6M20230918075758NAL0017066307001

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
2.8%
Independent accountant’s opinion
Unqualified opinion Code 1
Late participant contributions reported
Not stated in the filing
Public plan identifier
592398789-001

Reported plan details

Identity and filing status

Plan type
Retirement plan
Employer arrangement
Single-employer plan
Plan effective date
Oct 31, 1992
Industry
Finance and insurance
Amended filing
Yes
Final filing for this plan
No
Short plan year
No
401(k) feature reported
Yes
Show DOL characteristic codes2E2F2G2J2K2T3D

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

ProviderPlan yearDirect compensationIndirect compensation
ALLSPRING GLOBAL INVESTMENTS2024Not reportedunknown
AMERICAN FUNDS DISTRIBUTORS, INC.2024Not reportedunknown
BLACKROCK INVESTMENTS, INC.2024Not reportedunknown
CARILLON FUNDS2024Not reportedunknown
COHEN & STEERS CAPITAL MANAGEMENT2024Not reportedunknown
DELAWARE INVESTMENTS2024Not reportedunknown
FIDELITY DISTRIBUTORS CORP.2024Not reportedunknown
HARTFORD INVESTMENT FINANCIAL SERVI2024Not reportedunknown
JOHN HANCOCK FUNDS, LLC2024Not reportedunknown
NATIXIS DISTRIBUTORS, L.P.2024Not reportedunknown
NYLIFE DISTRIBUTORS, LLC2024Not reportedunknown
VANGUARD2024Not reportedunknown

Current plan terms

Help fill the gap the filing leaves.

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Filing ACK_ID20251104175101NAL0020097490001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗