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

S & T Bank 401(k) Plan Facts

Plan name
THRIFT PLAN FOR EMPLOYEES OF S & T BANK
Plan type
401(k) with employer contributions and profit sharing with a company-stock (ESOP) component
Plan sponsor
S & T BANK
Participants
1,563 (1,220 active employees)
Former employees with a balance
246
Plan assets
$128,354,635 at Dec 31, 2024
Average account balance
$89,571 across 1,433 accounts
Employer contributions
$2,647,471 in plan year 2024 (23% of all contributions)
Recordkeeper
Transamerica Retirement Solutions
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
May 1, 1984
✓ 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 1, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $11.5 million went into the plan in contributions, $2.65 million of it from the employer (23%).
  • $15.2 million was paid out to participants.
  • Investment and other income added $15.8 million.
  • Administrative expenses were $37,462, about $26 per account.

How the S & T Bank 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20191,188$99.2 million$1.91 million$11.6 million
20201,418$101.7 million$2.43 million$9.97 million
20211,398$114.2 million$2.28 million$16.5 million
20221,432$101.7 million$2.42 million$12.2 million
20231,502$116.3 million$2.63 million$10.3 million
20241,563$128.4 million$2.65 million$15.2 million

S & T Bank 401(k) Contact Information

Phone
724-465-4457
Mailing address
P. O. BOX 190 800 PHILADELPHIA STREET, INDIANA PA 157010190
Plan sponsor
S & T BANK
Employer identification number (EIN)
25-0776600
Plan number
002

Questions about the S & T Bank 401(k)

Does S & T Bank contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $2.65 million, 23% of all contributions.

Does the S & T Bank 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the S & T Bank 401(k) plan?

1,563 participants at the start of plan year 2024, 1,220 of them active employees, and 246 former employees who still had money in the plan.

What is the average 401(k) balance at S & T Bank?

About $89,571 per account: $128.4 million in plan assets across 1,433 accounts with a balance at the end of plan year 2024.

Who manages the S & T Bank 401(k) accounts?

Transamerica (listed on the filing as TRANSAMERICA RETIREMENT SOLUTIONS) is the plan's recordkeeper, which is where participants log in to see their balance.

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

Your account stays with Transamerica 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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