401(k) · DOL Form 5500 · 2024

Farmers and Merchants Trust Company 401(k) Plan

Data updated 2026-08-25

$41M
Total assets Below avg plan size
282
Participants Below avg headcount
82nd
Percentile by assets National rank
$143,669
Avg per participant Near avg balance/head
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Official DOL plan name: F & M Trust 401(k) Plan · Sponsored by Farmers and Merchants Trust Company · Pennsylvania · Finance & Insurance

$41M in assets, 282 participants

Farmers and Merchants Trust Company's F & M Trust 401(k) Plan reported $41M in total assets and 282 participants in its 2024 DOL Form 5500 filing, ranking in the 82nd percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #6,114 in Finance & Insurance (8,549 peers)

Coverage in Pennsylvania

F & M Trust 401(k) Plan covers 282 participants in Pennsylvania, about 34% of the average Pennsylvania filer (state average ~822 per filing). Assets: $41M.

#6,114
in Finance & Insurance (8,549 peers)
+13.7%
assets growth YoY
0.4×
vs typical plan assets (national mean)

F & M Trust 401(k) Plan's outsized position by total assets

F & M Trust 401(k) Plan vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$40,514,775 Top 18% higher than 82% of 123,620 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024

F & M Trust 401(k) Plan among mid-size filed plans by headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. F & M Trust 401(k) Plan sits mid-pack in the medium band (282 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • F & M Trust 401(k) Plan reported net income rose from $4M in the plan year 2023 filing to $5M in the plan year 2024 filing.
  • F & M Trust 401(k) Plan end-of-year assets rose from $36M in the plan year 2023 filing to $41M in the plan year 2024 filing.
  • F & M Trust 401(k) Plan reported participants rose from 270 in the plan year 2023 filing to 282 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Plan-year Form 5500 strip

Filing strip 230570230 · Farmers and Merchants Trust Company PY 2024 · 401(k)

F & M Trust 401(k) Plan · $41M · 282 · 82nd

  • SCH $41M
  • EBSA 282
  • PART 82nd
  • TYPE 401(k)
  • NET near Unibank Retirement Plan
  • BOOK ind #6114

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Pennsylvania →

F & M Trust 401(k) Plan in the asset neighbourhood

Unibank Retirement Plan$41MDel Papa Distributing Co., 401(k) Plan and TrustDel Papa Distributing Co., 4…$41MNational Retail Systems, Inc. 401(k) PlanNational Retail Systems, Inc…$41MF & M Trust 401(k) Plan$41MMcilhenny Company Tax-Deferred Savings PlanMcilhenny Company Tax-Deferr…$41M
End-of-year total assets ($M) among F & M Trust 401(k) Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

Pennsylvania filing particulars

Total Assets (Beginning of Year)$36M
Net Assets (End of Year)$41M
Net Income$5M
Employer EIN230570230
Plan Effective Date1983-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Farmers and Merchants Trust Company)

Sponsor-wide plan assets over time

All Farmers and Merchants Trust Company plans reported in each filing year

Latest sponsor-wide plan assets
$55M 20.943519208884958% vs 2022
2024 filing year
$40M$45M$50M$55M$60M 202220232024 $45.6M $55.2M ▲ +21.0%
Year Plans Participants Total Assets
2022 2 311 $46M
2023 2 317 $50M
2024 2 327 $55M

Nearby 401(k) Plans in Pennsylvania

Peer 401(k) plans, same state, same plan type, ranked by total assets.

F & M Trust 401(k) Plan vs. nearby 401(k) plans in Pennsylvania, assets vs. participants Scatter plot of 6 data points. -20000020000400006000080000100000 -50510152025 Total assets ($B) Participants F & M Trust 401(k) Plan, Total assets ($B): 0.040514775 · Participants: 282F & M Trust 401(k) PlanComcast Corporation Retirement - Investment Plan, Total assets ($B): 19.687957793 · Participants: 90495Comcast Corporation Retirement - Investment PlanThe Cigna Group 401(k) Plan, Total assets ($B): 14.20308608 · Participants: 63634The Cigna Group 401(k) PlanThe Vanguard Retirement and Savings Plan, Total assets ($B): 11.084818612 · Participants: 18066The Vanguard Retirement and Savings PlanThermo Fisher Scientific Inc. 401(k) Retirement Plan, Total assets ($B): 10.263366209 · Participants: 36150Thermo Fisher Scientific Inc. 401(k) Retirement PlanThe PNC Financial Services Group, Inc. Incentive Savings Plan, Total assets ($B): 10.189629 · Participants: 54604The PNC Financial Services Group, Inc. Incentive Savings Plan
F & M Trust 401(k) Plan vs. nearby 401(k) plans in Pennsylvania, assets vs. participants
Compare F & M Trust 401(k) Plan side-by-side with 3 peers →

F & M Trust 401(k) Plan's out-of-state 401(k) peers by assets and headcount

Outside Pennsylvania, the nearest 401(k) by assets is Unibank Retirement Plan in MA ($41M); by covered participants it is Alliance Shippers, Inc. 401(k) Savings Plan in NJ (282 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($41M here).

Similar participant headcount

Nearest other-state filings by covered participants (282 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did F & M Trust 401(k) Plan assets move in 2024? ▼
F & M Trust 401(k) Plan grew at a solid clip - up 13.7% during 2024, from $36M to $41M. Reported net income was $5M.
How have Farmers and Merchants Trust Company plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Farmers and Merchants Trust Company's sponsor-wide assets grew 20.9%, from $46M to $55M.
Where does F & M Trust 401(k) Plan rank by assets among Form 5500 filers? ▼
F & M Trust 401(k) Plan ranks in the 82nd percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (in the top quartile of all filed plans by assets).
Which 401(k) plans are similar in size to F & M Trust 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by assets is Unibank Retirement Plan in MA ($41M, 262 participants).
Which 401(k) plans cover a similar participant headcount to F & M Trust 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Alliance Shippers, Inc. 401(k) Savings Plan in NJ (282 participants, N/A in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 230570230.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.