Southern Illinois Bancorp, Inc. 401(k) Plan: Login, Facts & Contact Information

Southern Illinois Bancorp, Inc. 401(k) Plan Facts

Plan name
SOUTHERN ILLINOIS BANCORP, INC. 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
SOUTHERN ILLINOIS BANCORP, INC.
Participants
119 (103 active employees)
Former employees with a balance
17
Plan assets
$9,981,529 at Dec 31, 2024
Average account balance
$86,796 across 115 accounts
Employer contributions
$140,270 in plan year 2024 (22% of all contributions)
Recordkeeper
Capital Group Retirement Plan Svcs.
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 2000
✓ 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 Jul 25, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $626,542 went into the plan in contributions, $140,270 of it from the employer (22%).
  • $337,931 was paid out to participants.
  • Investment and other income added $1.18 million.
  • Administrative expenses were $615, about $5 per account.

How the Southern Illinois Bancorp, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019147$7.00 million$129,487$398,144
2020153$8.97 million$139,897$69,924
2021156$10.9 million$151,599$66,097
2022170$8.02 million$144,757$1.49 million
2023162$8.51 million$135,724$1.47 million
2024119$9.98 million$140,270$337,931

Southern Illinois Bancorp, Inc. 401(k) Contact Information

Phone
618-382-4118
Mailing address
P.O. BOX 376 201 EAST MAIN STREET, CARMI IL 62821
Plan sponsor
SOUTHERN ILLINOIS BANCORP, INC.
Employer identification number (EIN)
37-0206222
Plan number
002

Questions about the Southern Illinois Bancorp, Inc. 401(k)

Does Southern Illinois Bancorp, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $140,270, 22% of all contributions.

Does the Southern Illinois Bancorp, Inc 401(k) have automatic enrollment?

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

How many people are in the Southern Illinois Bancorp, Inc 401(k) plan?

119 participants at the start of plan year 2024, 103 of them active employees, and 17 former employees who still had money in the plan.

What is the average 401(k) balance at Southern Illinois Bancorp, Inc?

About $86,796 per account: $9.98 million in plan assets across 115 accounts with a balance at the end of plan year 2024.

Who manages the Southern Illinois Bancorp, Inc 401(k) accounts?

Capital Group / American Funds (listed on the filing as CAPITAL GROUP RETIREMENT PLAN SVCS.) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Southern Illinois Bancorp, Inc. How do I access my 401(k)?

Your account stays with Capital Group / American Funds 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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