First Northern Bank & Trust Co. 401(k) Plan: Login, Facts & Contact Information

First Northern Bank & Trust Co. 401(k) Plan Facts

Plan name
THE FIRST NORTHERN BANK & TRUST 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
FIRST NORTHERN BANK & TRUST CO.
Participants
163 (130 active employees)
Former employees with a balance
0
Plan assets
$19,431,061 at Dec 31, 2024
Average account balance
$160,587 across 121 accounts
Employer contributions
$176,466 in plan year 2024 (24% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Dec 31, 1974
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $730,957 went into the plan in contributions, $176,466 of it from the employer (24%).
  • $4.44 million was paid out to participants.
  • Investment and other income added $2.98 million.
  • Administrative expenses were $83,341, about $689 per account.

How the First Northern Bank & Trust Co. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019174$18.6 million$191,660$352,513
2020177$21.8 million$200,863$442,209
2021186$23.8 million$201,678$1.48 million
2022194$18.9 million$182,165$1.53 million
2023171$20.2 million$179,311$2.73 million
2024163$19.4 million$176,466$4.44 million

First Northern Bank & Trust Co. 401(k) Contact Information

Phone
610-681-1922
Mailing address
FOURTH STREET LAFAYETTE AVE, PALMERTON PA 18071
Plan sponsor
FIRST NORTHERN BANK & TRUST CO.
Employer identification number (EIN)
24-0579220
Plan number
001

Questions about the First Northern Bank & Trust Co. 401(k)

Does First Northern Bank & Trust Co contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $176,466, 24% of all contributions.

Does the First Northern Bank & Trust Co 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the First Northern Bank & Trust Co 401(k) plan?

163 participants at the start of plan year 2024, 130 of them active employees.

What is the average 401(k) balance at First Northern Bank & Trust Co?

About $160,587 per account: $19.4 million in plan assets across 121 accounts with a balance at the end of plan year 2024.

Who manages the First Northern Bank & Trust Co 401(k) accounts?

Principal (listed on the filing as PRINCIPAL LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at First Northern Bank & Trust Co. How do I access my 401(k)?

Your account stays with Principal after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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