Capital City Bank Group, Inc. 401(k): Empower, match 3% of pay
Capital City Bank Group, Inc. 401(k) Plan · CCBG · CIK 726601
Empower is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Employer match stated in the filing, as a share of pay
3%
Capital City Bank Group, Inc. discloses only part of its 401(k) match terms: it matches 50% of the first 6% of pay.
From the Form 11-K/A filed June 25, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What Capital City Bank puts in, and what the plan costs
What Capital City Bank put into the plan, per active participant
$2,331
Capital City Bank Group, Inc. put $2,331 into this plan for each of its 801 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
Capital City Bank put in less per active participant than 54% of plans with 1,000–4,999 participants at holding companies. The middle plan in that group of 157 reported $2,643. Holding companies comes from business code 551111, which Capital City Bank entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much Capital City Bank pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 592273542, plan 003 · DOL EFAST2 ↗
The $2,331 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Capital City Bank Group, Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,485 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What Capital City Bank puts in
$1,485
a year, at a $49,500 salary.
The filing discloses only part of the formula. The most it states the employer adds is 3% of pay, for a worker contributing 6% of pay.
The match paragraph, word for word
“For 2025, the Company provided a 50 % discretionary match on participant contributions of 6 % or less of eligible compensation.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
57.14 out of 100
How fast the employer’s money becomes yours. Higher than 5% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 0%, 0%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“A participant is 100 % vested in the Company’s matching, 3 % non- elective and discretionary contributions (if any), and related earnings thereon, after three years of credited service (on a cliff basis).”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
66th percentile
$111.77 per participant in plan-paid administrative cost, more expensive than 66% of plans with 1,000–4,999 participants.
What is Capital City Bank's 401(k) match formula?
Capital City Bank discloses only part of its 401(k) match terms: it matches 50% of the first 6% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 50% of the first 6% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| Rate actually paid this plan yearAs reported in the filing. | For 2025, the Company provided a 50% discretionary match on participant contributions of 6% or less of eligible compensation. |
| Paid in company stock | No, paid in cash or per your investment elections |
| Other employer contribution | Non-elective contribution equal to 3% of eligible annual compensation for employees hired or rehired after December 31, 2019, beginning after 90 days of service |
What the filing says, word for word
“For 2025, the Company provided a 50 % discretionary match on participant contributions of 6 % or less of eligible compensation.”
Source: Form 11-K/A filed June 25, 2026, SEC EDGAR · SEC ↗
What is Capital City Bank's 401(k) vesting schedule?
Capital City Bank vests the employer match on a cliff schedule: nothing is yours until three years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a three-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 3 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | 1,000 Hours of Service during the Plan year |
| Accelerated vesting | retirement, death, or disability |
| Other employer contributions | The 3% non-elective contribution vests on the same three-year cliff schedule as the Company matching contribution. |
Vesting, word for word
“A participant is 100 % vested in the Company’s matching, 3 % non- elective and discretionary contributions (if any), and related earnings thereon, after three years of credited service (on a cliff basis).”
Source: Form 11-K/A filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join Capital City Bank's 401(k), and is enrollment automatic?
Capital City Bank enrolls new hires automatically at 3% of pay, rising 1% a year to 6% of pay.
| Plan entry | Employees who are not excluded and otherwise meet the requirements become eligible to participate at the time of employment, entering the Plan on the first day of the month coinciding with or following the date they become eligible. |
|---|---|
| Match eligibility | Only employees hired after January 1, 2002, and who have completed 90 days of service, are eligible for this match. |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6% |
Eligibility, word for word
“Only employees hired after January 1, 2002, and who have completed 90 days of service, are eligible for this match.”
Automatic enrollment, word for word
“The Plan also includes an automatic contribution arrangement that applies to new or re-hired employees of the Company. The automatic deferral amount is 3 % of eligible compensation. The Plan auto-escalates participants’ deferral rate by 1 % annually each June until a 6 % deferral rate is achieved.”
Source: Form 11-K/A filed June 25, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Empower, filed as “EMPOWER ANNUITY INSURANCE COMPANY O”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
7,876 plans on file name Empower as their recordkeeper. Of those, the 7,813 with a computable fee have a median plan-paid cost of $165.72 per participant.
Participants log in at Empower ↗. 401(k) Monitor is not affiliated with Empower or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Empower |
|---|---|
| Recordkeeper address | 8515 East Orchard Road, Greenwood Village, CO 80111 |
What does the Capital City Bank plan report on Form 5500?
The Capital City Bank plan reported $56.8M in assets and 1,305 participants for plan year 2024.
| Total plan assets | $56,782,158 |
|---|---|
| Participants | 1,305 |
| Plan-paid admin cost per participant | $111.77 |
How that cost compares
This plan pays $111.77 per participant. The median across plans at holding companies is $106.24, from the 612 of 643 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Capital City Bank Group, Inc. 401(k) Plan, which has no page of its own here.
How does Capital City Bank's 401(k) match compare?
Capital City Bank Group, Inc.'s maximum 401(k) match of 3% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file at holding companies, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also at holding companies.
Maximum match 3% of pay. Also at holding companies.
Maximum match 3.5% of pay. Also at holding companies.
Maximum match 3% of pay. Same recordkeeper, Empower.
Maximum match 3% of pay. Same recordkeeper, Empower.
Maximum match 3% of pay. Same 3-year cliff as Capital City Bank.
Compare Capital City Bank Group, Inc. with any company, side by side
What can you do next?
- Read the Form 11-K/A on SEC EDGAR ↗
Form 11-K/A filed June 25, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is Capital City Bank Group, Inc.'s 401(k) match?
Capital City Bank Group, Inc. discloses only part of its match terms in the 11-K for the plan year ended December 31, 2025; it matches 50% of employee contributions up to 6% of eligible pay.
When does the Capital City Bank Group, Inc. 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does Capital City Bank Group, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6%.
Who is the recordkeeper for Capital City Bank Group, Inc.'s 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Capital City Bank Group, Inc. 401(k) Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K/A annual report that Capital City Bank Group, Inc. filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K/A annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | Capital City Bank Group, Inc. |
| SEC CIK | 726601 |
| Accession number | 0000726601-26-000018 |
| Plan | Capital City Bank Group, Inc. 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 25, 2026 |
401(k) Monitor is not affiliated with Capital City Bank Group, Inc., with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “Capital City Bank Group, Inc. 401(k) plan facts”, from SEC Form 11-K/A accession 0000726601-26-000018, plan year ended December 31, 2025.
