Civic Intelligence

Royer Financial Services Inc.

Plan context: Royer Financial Services Inc. 401K Plan

EIN 03-0332178 • Newport, VT • 24 filings • 4 plans

578 E Main StNewport, VT 05855
Current Snapshot

Latest Year

2025

2025 Participants

3

2025 Assets

$2,645,410

2025 Contributions

$122,999

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$2,726,260$1,363,130$0200520162025YearValue
$2,645,410Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

320200520152025YearValue
3Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202513$2,645,410$122,999$41,000iApproximate average salary by contribution assumption: employee only about $1,024,992 at 4% or $683,328 at 6%; with 50% employer match about $683,328 at 4% or $455,552 at 6%; with 100% employer match about $512,496 at 4% or $341,664 at 6%.
Royer Financial Services Inc. 401K Plan-3$2,645,410$122,999$41,000iApproximate average salary by contribution assumption: employee only about $1,024,992 at 4% or $683,328 at 6%; with 50% employer match about $683,328 at 4% or $455,552 at 6%; with 100% employer match about $512,496 at 4% or $341,664 at 6%.
202423$2,726,260$319,117$106,372iApproximate average salary by contribution assumption: employee only about $2,659,308 at 4% or $1,772,872 at 6%; with 50% employer match about $1,772,872 at 4% or $1,181,915 at 6%; with 100% employer match about $1,329,654 at 4% or $886,436 at 6%.
Royer Financial Services Inc. 401K Plan-3$2,189,785$107,368$35,789iApproximate average salary by contribution assumption: employee only about $894,733 at 4% or $596,489 at 6%; with 50% employer match about $596,489 at 4% or $397,659 at 6%; with 100% employer match about $447,367 at 4% or $298,244 at 6%.
ROYER FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN-3$536,475$211,749$70,583iApproximate average salary by contribution assumption: employee only about $1,764,575 at 4% or $1,176,383 at 6%; with 50% employer match about $1,176,383 at 4% or $784,256 at 6%; with 100% employer match about $882,288 at 4% or $588,192 at 6%.
202323$2,110,553$342,905$114,302iApproximate average salary by contribution assumption: employee only about $2,857,542 at 4% or $1,905,028 at 6%; with 50% employer match about $1,905,028 at 4% or $1,270,019 at 6%; with 100% employer match about $1,428,771 at 4% or $952,514 at 6%.
Royer Financial Services Inc. 401K Plan-3$1,807,593$130,958$43,653iApproximate average salary by contribution assumption: employee only about $1,091,317 at 4% or $727,544 at 6%; with 50% employer match about $727,544 at 4% or $485,030 at 6%; with 100% employer match about $545,658 at 4% or $363,772 at 6%.
ROYER FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN-3$302,960$211,947$70,649iApproximate average salary by contribution assumption: employee only about $1,766,225 at 4% or $1,177,483 at 6%; with 50% employer match about $1,177,483 at 4% or $784,989 at 6%; with 100% employer match about $883,113 at 4% or $588,742 at 6%.
202223$1,443,112$203,134$67,711iApproximate average salary by contribution assumption: employee only about $1,692,783 at 4% or $1,128,522 at 6%; with 50% employer match about $1,128,522 at 4% or $752,348 at 6%; with 100% employer match about $846,392 at 4% or $564,261 at 6%.
Royer Financial Services Inc. 401K Plan-3$1,356,544$116,566$38,855iApproximate average salary by contribution assumption: employee only about $971,383 at 4% or $647,589 at 6%; with 50% employer match about $647,589 at 4% or $431,726 at 6%; with 100% employer match about $485,692 at 4% or $323,794 at 6%.
ROYER FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN-3$86,568$86,568$28,856iApproximate average salary by contribution assumption: employee only about $721,400 at 4% or $480,933 at 6%; with 50% employer match about $480,933 at 4% or $320,622 at 6%; with 100% employer match about $360,700 at 4% or $240,467 at 6%.
202113$1,522,010$120,484$40,161iApproximate average salary by contribution assumption: employee only about $1,004,033 at 4% or $669,356 at 6%; with 50% employer match about $669,356 at 4% or $446,237 at 6%; with 100% employer match about $502,017 at 4% or $334,678 at 6%.
Royer Financial Services Inc. 401K Plan-3$1,522,010$120,484$40,161iApproximate average salary by contribution assumption: employee only about $1,004,033 at 4% or $669,356 at 6%; with 50% employer match about $669,356 at 4% or $446,237 at 6%; with 100% employer match about $502,017 at 4% or $334,678 at 6%.
202013$1,182,787$112,640$37,547iApproximate average salary by contribution assumption: employee only about $938,667 at 4% or $625,778 at 6%; with 50% employer match about $625,778 at 4% or $417,185 at 6%; with 100% employer match about $469,333 at 4% or $312,889 at 6%.
Royer Financial Services Inc. 401K Plan-3$1,182,787$112,640$37,547iApproximate average salary by contribution assumption: employee only about $938,667 at 4% or $625,778 at 6%; with 50% employer match about $625,778 at 4% or $417,185 at 6%; with 100% employer match about $469,333 at 4% or $312,889 at 6%.
201913$909,776$103,345$34,448iApproximate average salary by contribution assumption: employee only about $861,208 at 4% or $574,139 at 6%; with 50% employer match about $574,139 at 4% or $382,759 at 6%; with 100% employer match about $430,604 at 4% or $287,069 at 6%.
Royer Financial Services Inc. 401K Plan-3$909,776$103,345$34,448iApproximate average salary by contribution assumption: employee only about $861,208 at 4% or $574,139 at 6%; with 50% employer match about $574,139 at 4% or $382,759 at 6%; with 100% employer match about $430,604 at 4% or $287,069 at 6%.
201813$666,988$90,603$30,201iApproximate average salary by contribution assumption: employee only about $755,025 at 4% or $503,350 at 6%; with 50% employer match about $503,350 at 4% or $335,567 at 6%; with 100% employer match about $377,513 at 4% or $251,675 at 6%.
Royer Financial Services Inc. 401K Plan-3$666,988$90,603$30,201iApproximate average salary by contribution assumption: employee only about $755,025 at 4% or $503,350 at 6%; with 50% employer match about $503,350 at 4% or $335,567 at 6%; with 100% employer match about $377,513 at 4% or $251,675 at 6%.
201713$633,947$67,646$22,549iApproximate average salary by contribution assumption: employee only about $563,717 at 4% or $375,811 at 6%; with 50% employer match about $375,811 at 4% or $250,541 at 6%; with 100% employer match about $281,858 at 4% or $187,906 at 6%.
Royer Financial Services Inc. 401K Plan-3$633,947$67,646$22,549iApproximate average salary by contribution assumption: employee only about $563,717 at 4% or $375,811 at 6%; with 50% employer match about $375,811 at 4% or $250,541 at 6%; with 100% employer match about $281,858 at 4% or $187,906 at 6%.
201613$456,433$57,936$19,312iApproximate average salary by contribution assumption: employee only about $482,800 at 4% or $321,867 at 6%; with 50% employer match about $321,867 at 4% or $214,578 at 6%; with 100% employer match about $241,400 at 4% or $160,933 at 6%.
Royer Financial Services Inc. 401K Plan-3$456,433$57,936$19,312iApproximate average salary by contribution assumption: employee only about $482,800 at 4% or $321,867 at 6%; with 50% employer match about $321,867 at 4% or $214,578 at 6%; with 100% employer match about $241,400 at 4% or $160,933 at 6%.
201513$382,204$44,505$14,835iApproximate average salary by contribution assumption: employee only about $370,875 at 4% or $247,250 at 6%; with 50% employer match about $247,250 at 4% or $164,833 at 6%; with 100% employer match about $185,438 at 4% or $123,625 at 6%.
Royer Financial Services Inc. 401K Plan-3$382,204$44,505$14,835iApproximate average salary by contribution assumption: employee only about $370,875 at 4% or $247,250 at 6%; with 50% employer match about $247,250 at 4% or $164,833 at 6%; with 100% employer match about $185,438 at 4% or $123,625 at 6%.
201413$399,438$33,624$11,208iApproximate average salary by contribution assumption: employee only about $280,200 at 4% or $186,800 at 6%; with 50% employer match about $186,800 at 4% or $124,533 at 6%; with 100% employer match about $140,100 at 4% or $93,400 at 6%.
Royer Financial Services Inc. 401K Plan-3$399,438$33,624$11,208iApproximate average salary by contribution assumption: employee only about $280,200 at 4% or $186,800 at 6%; with 50% employer match about $186,800 at 4% or $124,533 at 6%; with 100% employer match about $140,100 at 4% or $93,400 at 6%.
201313$337,364$30,036$10,012iApproximate average salary by contribution assumption: employee only about $250,300 at 4% or $166,867 at 6%; with 50% employer match about $166,867 at 4% or $111,244 at 6%; with 100% employer match about $125,150 at 4% or $83,433 at 6%.
Royer Financial Services Inc. 401K Plan-3$337,364$30,036$10,012iApproximate average salary by contribution assumption: employee only about $250,300 at 4% or $166,867 at 6%; with 50% employer match about $166,867 at 4% or $111,244 at 6%; with 100% employer match about $125,150 at 4% or $83,433 at 6%.
201213$263,752$28,725$9,575iApproximate average salary by contribution assumption: employee only about $239,375 at 4% or $159,583 at 6%; with 50% employer match about $159,583 at 4% or $106,389 at 6%; with 100% employer match about $119,688 at 4% or $79,792 at 6%.
Royer Financial Services Inc. 401K Plan-3$263,752$28,725$9,575iApproximate average salary by contribution assumption: employee only about $239,375 at 4% or $159,583 at 6%; with 50% employer match about $159,583 at 4% or $106,389 at 6%; with 100% employer match about $119,688 at 4% or $79,792 at 6%.
201113$211,092$30,377$10,126iApproximate average salary by contribution assumption: employee only about $253,142 at 4% or $168,761 at 6%; with 50% employer match about $168,761 at 4% or $112,507 at 6%; with 100% employer match about $126,571 at 4% or $84,381 at 6%.
Royer Financial Services Inc. 401K Plan-3$211,092$30,377$10,126iApproximate average salary by contribution assumption: employee only about $253,142 at 4% or $168,761 at 6%; with 50% employer match about $168,761 at 4% or $112,507 at 6%; with 100% employer match about $126,571 at 4% or $84,381 at 6%.
201012$189,295$0-
Royer Financial Services Inc. 401K Plan-2$189,295--
200912$156,925$791$396iApproximate average salary by contribution assumption: employee only about $9,888 at 4% or $6,592 at 6%; with 50% employer match about $6,592 at 4% or $4,394 at 6%; with 100% employer match about $4,944 at 4% or $3,296 at 6%.
Royer Financial Services Inc. 401K Plan-2$156,925$791$396iApproximate average salary by contribution assumption: employee only about $9,888 at 4% or $6,592 at 6%; with 50% employer match about $6,592 at 4% or $4,394 at 6%; with 100% employer match about $4,944 at 4% or $3,296 at 6%.
200813$0$0-
Royer Financial Services Inc. 401K Plan-3---
200713$0$0-
Royer Financial Services Inc. 401K Plan-3---
200613$192,031$21,366$7,122iApproximate average salary by contribution assumption: employee only about $178,050 at 4% or $118,700 at 6%; with 50% employer match about $118,700 at 4% or $79,133 at 6%; with 100% employer match about $89,025 at 4% or $59,350 at 6%.
Royer Financial Services Inc. 401K Plan-3$192,031$21,366$7,122iApproximate average salary by contribution assumption: employee only about $178,050 at 4% or $118,700 at 6%; with 50% employer match about $118,700 at 4% or $79,133 at 6%; with 100% employer match about $89,025 at 4% or $59,350 at 6%.
200513$172,282$159,645$53,215iApproximate average salary by contribution assumption: employee only about $1,330,375 at 4% or $886,917 at 6%; with 50% employer match about $886,917 at 4% or $591,278 at 6%; with 100% employer match about $665,188 at 4% or $443,458 at 6%.
Royer Financial Services Inc. 401K Plan-3$172,282$159,645$53,215iApproximate average salary by contribution assumption: employee only about $1,330,375 at 4% or $886,917 at 6%; with 50% employer match about $886,917 at 4% or $591,278 at 6%; with 100% employer match about $665,188 at 4% or $443,458 at 6%.