Northpointe Bank 401(k) Plan: Login, Facts & Contact Information

Northpointe Bank 401(k) Plan Facts

Plan name
THE NORTHPOINTE BANCSHARES, INC. EMPLOYEE STOCK OWNERSHIP PLAN
Plan type
401(k) with employer contributions and profit sharing with a company-stock (ESOP) component
Plan sponsor
NORTHPOINTE BANK
Participants
1,196 (476 active employees)
Former employees with a balance
473
Plan assets
$61,325,686 at Dec 31, 2024
Average account balance
$65,102 across 942 accounts
Employer contributions
$694,672 in plan year 2024 (16% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jul 1, 1999
✓ 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

  • $4.38 million went into the plan in contributions, $694,672 of it from the employer (16%).
  • $16.5 million was paid out to participants.
  • Investment and other income added $10.2 million.
  • Administrative expenses were $266,131, about $283 per account.

How the Northpointe Bank 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019570$27.9 million$1.83 million$1.53 million
2020814$49.2 million$3.07 million$1.86 million
20211,077$65.9 million$3.19 million$2.29 million
20221,336$59.7 million$2.84 million$6.11 million
20231,427$63.5 million$2.22 million$9.20 million
20241,196$61.3 million$694,672$16.5 million

Northpointe Bank 401(k) Contact Information

Phone
616-940-9400
Mailing address
3333 DEPOSIT DRIVE NE, GRAND RAPIDS MI 495461429
Plan sponsor
NORTHPOINTE BANK
Plan administrator
PENTEGRA SERVICES, INC.
Employer identification number (EIN)
38-3448372
Plan number
001

Questions about the Northpointe Bank 401(k)

Does Northpointe Bank contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $694,672, 16% of all contributions.

Does the Northpointe Bank 401(k) have automatic enrollment?

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

How many people are in the Northpointe Bank 401(k) plan?

1,196 participants at the start of plan year 2024, 476 of them active employees, and 473 former employees who still had money in the plan.

What is the average 401(k) balance at Northpointe Bank?

About $65,102 per account: $61.3 million in plan assets across 942 accounts with a balance at the end of plan year 2024.

Who manages the Northpointe Bank 401(k) accounts?

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

I no longer work at Northpointe Bank. How do I access my 401(k)?

Your account stays with Empower 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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