401k Record

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Fentura Financial 401(k)

Recordkeeping fees per participant · Fentura Financial, Inc. EE Deferred Comp & ESOP · plan year 2024

$5.36

Higher than 4% of the 14,075 plans $10 to 50M that report it.

Source

= $1,644 / 307
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250916140333NAL0003133168001, received 2025-09-16
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250916140333NAL0003133168001, received 2025-09-16

10th: $10.53median $83.9490th: $217.08

Percentiles compare this plan with the Schedule H plans $10 to 50M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-09-16.

Cost and contributions

Administrative expenses excluding investment management, per participant

$264.81

10th: $15.36median $118.8890th: $340.63

Higher than 83% of the 24,371 plans $10 to 50M that report it.

Source

= $81,296 / 307
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250916140333NAL0003133168001, received 2025-09-16
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250916140333NAL0003133168001, received 2025-09-16

Administrative expenses per participant

$357.38

10th: $26.86median $197.2590th: $456.10

Higher than 80% of the 25,098 plans $10 to 50M that report it.

Source

= $109,716 / 307
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250916140333NAL0003133168001, received 2025-09-16
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250916140333NAL0003133168001, received 2025-09-16

Administrative expenses as a share of assets

0.430%

10th: 0.035%median 0.289%90th: 0.599%

Higher than 74% of the 25,132 plans $10 to 50M that report it.

Source

= $109,716 / $25,503,353
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250916140333NAL0003133168001, received 2025-09-16
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250916140333NAL0003133168001, received 2025-09-16

Employer contributions per participant

$2,294

10th: $664median $2,07490th: $4,751

Higher than 56% of the 24,050 plans $10 to 50M that report it.

Source

= $704,169 / 307
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250916140333NAL0003133168001, received 2025-09-16
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250916140333NAL0003133168001, received 2025-09-16

Employer share of total contributions

33.5%

10th: 13.1%median 27.9%90th: 45.2%

Higher than 70% of the 24,084 plans $10 to 50M that report it.

Source

= $704,169 / $2,100,001
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250916140333NAL0003133168001, received 2025-09-16
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250916140333NAL0003133168001, received 2025-09-16

Plan terms, as stated in Fentura Financial Inc.'s SEC filings

Plan terms are described in Fentura Financial Inc.'s SEC filings: Form 10-K filed 2012-03-16. No term could be quoted from them with the required precision.

Plan features

2E profit-sharing · 2F ERISA 404(c) plan · 2H partially participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2O ESOP-related feature · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20250916140333NAL0003133168001, received 2025-09-16

Full record, Fentura Financial, Inc. EE Deferred Comp & ESOP

FieldValueSource
Plan sponsorFENTURA FINANCIAL INC.Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20250916140333NAL0003133168001, received 2025-09-16
Plan nameFENTURA FINANCIAL, INC. EE DEFERRED COMP & ESOPForm 5500, line 1a; PLAN_NAME pos 16; filing 20250916140333NAL0003133168001, received 2025-09-16
Sponsor EIN / plan number38-2806518 / 002Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20250916140333NAL0003133168001, received 2025-09-16
Plan typesingle-employerForm 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20250916140333NAL0003133168001, received 2025-09-16
Sponsor locationFENTON, MIForm 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20250916140333NAL0003133168001, received 2025-09-16
Industry (business code)522110, Finance and insuranceForm 5500, line 2d; BUSINESS_CODE pos 46; filing 20250916140333NAL0003133168001, received 2025-09-16
Plan year2024-01-01 to 2024-12-31Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20250916140333NAL0003133168001, received 2025-09-16
Filing received2025-09-16Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20250916140333NAL0003133168001, received 2025-09-16
Final filingnoForm 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20250916140333NAL0003133168001, received 2025-09-16
Amended filingnoForm 5500, Part I line B; AMENDED_IND pos 7; filing 20250916140333NAL0003133168001, received 2025-09-16
Participants, beginning of year331Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20250916140333NAL0003133168001, received 2025-09-16
Active participants216Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20250916140333NAL0003133168001, received 2025-09-16
Participants, end of year308Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20250916140333NAL0003133168001, received 2025-09-16
Participants with an account balance307Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250916140333NAL0003133168001, received 2025-09-16
Total assets, beginning of year$24,701,700Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20250916140333NAL0003133168001, received 2025-09-16
Total assets, end of year$25,503,353Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250916140333NAL0003133168001, received 2025-09-16
Net assets, end of year$25,503,353Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20250916140333NAL0003133168001, received 2025-09-16
Total income$5,543,228Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20250916140333NAL0003133168001, received 2025-09-16
Net income$801,653Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20250916140333NAL0003133168001, received 2025-09-16
Employer contributions$704,169Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250916140333NAL0003133168001, received 2025-09-16
Participant contributions$1,393,450Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20250916140333NAL0003133168001, received 2025-09-16
Other contributions (incl. rollovers)$2,382Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20250916140333NAL0003133168001, received 2025-09-16
Total contributions$2,100,001Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250916140333NAL0003133168001, received 2025-09-16
Benefit payments$4,631,859Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20250916140333NAL0003133168001, received 2025-09-16
Total expenses (incl. benefit payments)$4,741,575Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20250916140333NAL0003133168001, received 2025-09-16
Total administrative expenses$109,716Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250916140333NAL0003133168001, received 2025-09-16
Recordkeeping fees$1,644Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250916140333NAL0003133168001, received 2025-09-16
IQPA audit fees$20,500Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20250916140333NAL0003133168001, received 2025-09-16
Investment advisory and management fees$28,420Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20250916140333NAL0003133168001, received 2025-09-16
Administrative expenses excluding investment management$81,296derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250916140333NAL0003133168001, received 2025-09-16
Held in mutual funds$22,456,626Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20250916140333NAL0003133168001, received 2025-09-16
Independent auditorMANER COSERISAN AND ELLIS PCSchedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20250916140333NAL0003133168001, received 2025-09-16

Position = column in the DOL layout for form year 2024. Filing 20250916140333NAL0003133168001, received 2025-09-16.

Service providers paid directly by the plan

ProviderRelationshipService codesDirect compensationIndirect
TRANSAMERICA RETIREMENT SOLUTIONS LrecordkeeperRECORDKEEPER 15 Recordkeeping and information management; 37 Participant loan processing; 52 Investment management fees paid indirectly by plan; 62 Float revenue; 64 Recordkeeping fees; 67 Other insurance wrap fees $49,444yes
ONEDIGITAL INVESTMENT ADVISORSINVESTMENT ADVISORY - PL 27 Investment advisory (plan) $41,419no
MANER COSTERISANAUDIT 10 Accounting (including auditing) $13,225no
WATKINS ROSSrecordkeeperRECORDKEEPER 15 Recordkeeping and information management; 37 Participant loan processing; 64 Recordkeeping fees $2,767yes

Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20250916140333NAL0003133168001, received 2025-09-16.

What changed since the 2023 plan year

Figure20232024Change
Total assets$24,701,700$25,503,3533.2%
Participants with a balance330307-7.0%
Administrative expenses$131,401$109,716-16.5%
Recordkeeping fees per participant$4.98$5.367.5%
Employer contributions$861,557$704,169-18.3%

Prior filing 20241010124128NAL0034044240001, received 2024-10-10; the plan years are contiguous.

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Sponsor name as filed: FENTURA FINANCIAL INC.; SEC registrant: FENTURA FINANCIAL INC (CIK 919865, matched by EIN).