Banks and lenders 401(k) plans

Plan size drives fees more than industry does: bigger plans pay less per head. See median fees by plan size before reading an industry gap as an industry effect.

The banks and lenders plans with a page of their own are listed below by size, and the same set is findable by employer name from the search on the home page.

The table above is the top of the list. These 4 pages hold the 65 published plan pages in banks and lenders, out of 2,264 filings of that kind in the data, split by how many people are in them, each ranked by active participants.

• 100 to 499 participants · 6 plans
• 500 to 999 participants · 1 plans
• 1,000 to 4,999 participants · 5 plans
• 5,000 or more participants · 53 plans

For these 26 employers we also read the SEC Form 11-K and extracted the match terms, matched to this industry by the plan’s EIN.

• Ameris Bancorp

  50% of the first 8% of pay

• BANK OF HAWAII CORP

  125% of the first 2% of pay, then 50% of the next 3% of pay

• Central Pacific Financial Corp

  100% (dollar-for-dollar) of the first 4% of pay

• Colony Bankcorp, Inc.

  100% (dollar-for-dollar) of the first 4% of pay, then 50% of the next 2% of pay

• Comerica Incorporated

  100% (dollar-for-dollar) of the first 4% of pay

• COMMUNITY TRUST BANCORP INC /KY/

  No match; the employer contributes on its own (a non-elective contribution)

• CULLEN/FROST BANKERS, INC.

  100% (dollar-for-dollar) of the first 7% of pay

• Farmers National Banc Corp

  50% of the first 6% of pay

• First Financial Bancorp

  No employer match, per the filing

• FIRST HORIZON CORP

  100% (dollar-for-dollar) of the first 6% of pay

• First Merchants Corp

  100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 3% of pay

• FNB CORP/PA/

  100% (dollar-for-dollar) of the first 6% of pay

• Huntington Bancshares Incorporated

  150% of the first 2% of pay, then 100% (dollar-for-dollar) of the next 1% of pay

• M&T Bank Corporation

  100% (dollar-for-dollar) of the first 5% of pay

• Old Second Bancorp, Inc.

  100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay

• PEOPLES BANCORP INC

  100% (dollar-for-dollar) of the first 6% of pay

• Regions Financial

  100% (dollar-for-dollar) of the first 5% of pay

• Renasant Corp

  100% (dollar-for-dollar) of the first 4% of pay

• S&T Bancorp, Inc.

  100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay

• Southside Bancshares, Inc.

  100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay

• TRUSTMARK CORP

  100% (dollar-for-dollar) of the first 6% of pay

• U.S. Bancorp

  100% (dollar-for-dollar) of the first 4% of pay

• UMB FINANCIAL CORP

  50% of the first 9% of pay

• United Bankshares, Inc.

  100% (dollar-for-dollar) of the first 5% of pay

• WESBANCO INC

  100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay

• WESTAMERICA BANCORPORATION

  100% (dollar-for-dollar) of the first 6% of pay

Monetary authorities and credit intermediation (codes 521110 to 522999): banks, savings institutions, credit unions and card issuers. Sponsors here include Citizens Financial, Discover and American Express.

The code is the IRS principal business activity code the sponsor itself puts on Form 5500, line 2d. Medians count only plans whose Schedule H shows a positive plan-paid administrative expense (2,143 of 2,264 plans here). Plan-paid expenses exclude fund expense ratios and employer-paid bills, so every figure is a floor, not the all-in cost. Latest filing in this group received by the DOL July 22, 2026; source dataset last refreshed July 28, 2026. Full methodology