First US Bancshares, Inc. 401(k) match: 4% max
First US Bancshares, Inc. 401(k) Plan · FUSB · CIK 717806
The Form 5500 filed for this plan states its recordkeeper as “CAPFINANCIAL PARTNERS, LLC”, which is the field as filed. That spelling matches no name in this site’s recordkeeper table, so the page prints the field and names no company. What the filing says about them.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
4%
First US Bancshares, Inc. matches 100% (dollar-for-dollar) of the first 4% of pay.
From the Form 11-K filed June 23, 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 First US Bancshares puts in, and what the plan costs
What First US Bancshares put into the plan, per active participant
$2,710
First US Bancshares, Inc. put $2,710 into this plan for each of its 153 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.
First US Bancshares put in less per active participant than 65% of plans with 100–499 participants at banks and lenders. The middle plan in that group of 1,407 reported $3,328. Banks and lenders comes from business code 522110, which First US Bancshares 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
What this figure cannot separate: how much First US Bancshares 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 630843362, plan 001 · DOL EFAST2 ↗
The $2,710 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. First US Bancshares, Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,980 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 First US Bancshares puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“The Plan provides that the Plan Sponsor will make a safe harbor matching contribution in an amount equal to 100% of the first 4% of compensation deferred. Under the terms of the Plan, the Plan Sponsor also has the discretion to make additional contributions in the form of matching contributions and non-elective contributions. There were no such discretionary contributions made during the year ended December 31, 2025.”
What you contribute to collect all of it
Contribute at least 4% of your pay to collect the full match.
That is $1,980 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% 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: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are immediately vested in their contributions, the Company’s matching contributions, discretionary employer contributions and earnings thereon.”
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
91st percentile
$416.53 per participant in plan-paid administrative cost, more expensive than 91% of plans with 100–499 participants.
What is First US Bancshares' 401(k) match formula?
First US Bancshares' 401(k) employer match tops out at 4% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 100% (dollar-for-dollar) of the first 4% of pay |
|---|---|
| Maximum employer match | 4% of compensation |
| Other employer contribution | Under the terms of the Plan, the Plan Sponsor also has the discretion to make additional contributions in the form of matching contributions and non-elective contributions. There were no such discretionary contributions made during the year ended December 31, 2025. |
At a $75,000 salary, contributing 4% ($3,000) earns the full employer match of $3,000 for the year.
What the filing says, word for word
“The Plan provides that the Plan Sponsor will make a safe harbor matching contribution in an amount equal to 100% of the first 4% of compensation deferred. Under the terms of the Plan, the Plan Sponsor also has the discretion to make additional contributions in the form of matching contributions and non-elective contributions. There were no such discretionary contributions made during the year ended December 31, 2025.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
What is First US Bancshares' 401(k) vesting schedule?
First US Bancshares vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Other employer contributions | Participants are immediately vested in discretionary employer contributions and earnings thereon. |
Vesting, word for word
“Participants are immediately vested in their contributions, the Company’s matching contributions, discretionary employer contributions and earnings thereon.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
Who can join First US Bancshares' 401(k), and is enrollment automatic?
First US Bancshares' filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | All employees are eligible to participate in the Plan on the first day of the month following their date of commencement of employment. |
|---|---|
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“All employees are eligible to participate in the Plan on the first day of the month following their date of commencement of employment.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports a recordkeeper it names only as “CAPFINANCIAL PARTNERS, LLC”. 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Recordkeeper | “CAPFINANCIAL PARTNERS, LLC” |
|---|---|
| Recordkeeper EIN | 260058143 |
What does the First US Bancshares plan report on Form 5500?
The First US Bancshares plan reported $19.4M in assets and 228 participants for plan year 2024.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Plan named in the DOL record | First US Bancshares, Inc. 401(k) Plan |
|---|---|
| Total plan assets | $19,398,130 |
| Participants | 228 |
| Plan-paid admin cost per participant | $416.53 |
How that cost compares
This plan pays $416.53 per participant. The median across plans at banks and lenders is $152.83, from the 2,143 of 2,264 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of First US Bancshares, Inc. 401(k) Plan, which has no page of its own here.
How does First US Bancshares' 401(k) match compare?
First US Bancshares, Inc.'s maximum 401(k) match of 4% 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 banks and lenders, two land near First US Bancshares' maximum match and one vests on the same schedule.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay, level with First US Bancshares.
Maximum match 4% of pay, level with First US Bancshares.
Maximum match 6% of pay. Vests immediately too, like First US Bancshares.
Compare First US Bancshares, Inc. with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 23, 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 First US Bancshares, Inc.'s 401(k) match?
First US Bancshares, Inc. matches 100% of employee contributions up to 4% of eligible pay (plan year ended December 31, 2025).
When does the First US Bancshares, Inc. 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does First US Bancshares, Inc.'s 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for First US Bancshares, Inc.'s 401(k)?
Schedule C of the Form 5500 filed for First US Bancshares, Inc. 401(k) Plan for plan year 2024 states the recordkeeper as “CAPFINANCIAL PARTNERS, LLC”, printed here exactly as filed. That spelling matches no name in this site’s recordkeeper table, so the page prints the field and names no company. The recordkeeper 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. Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that First US Bancshares, 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 annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | First US Bancshares, Inc. |
| SEC CIK | 717806 |
| Accession number | 0001193125-26-279622 |
| Plan | First US Bancshares, Inc. 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 23, 2026 |
401(k) Monitor is not affiliated with First US Bancshares, 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, “First US Bancshares, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-279622, plan year ended December 31, 2025.
