401k Plan data: RIVER VALLEY BANCORP, INC 401(K) PLAN plan

RIVER VALLEY BANCORP, INC 401(K) PLAN 401k Plan overview

Plan Name	RIVER VALLEY BANCORP, INC 401(K) PLAN
Plan identification number	003

RIVER VALLEY BANCORP, INC 401(K) PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

RIVER VALLEY BANCORP, INC has sponsored the creation of one or more 401k plans.

Company Name: RIVER VALLEY BANCORP, INC

Employer identification number (EIN): 350261620

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan RIVER VALLEY BANCORP, INC 401(K) PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2015-01-01 ROBYN MEEK
003 2014-01-01 MATTHEW P. FORRESTER MATTHEW P. FORRESTER 2015-10-09
003 2013-01-01 ROBYN MEEK

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
003	2015-01-01	ROBYN MEEK
003	2014-01-01	MATTHEW P. FORRESTER	MATTHEW P. FORRESTER	2015-10-09
003	2013-01-01	ROBYN MEEK

Plan Statistics for RIVER VALLEY BANCORP, INC 401(K) PLAN

401k plan membership statisitcs for RIVER VALLEY BANCORP, INC 401(K) PLAN

Measure Date Value
2015: RIVER VALLEY BANCORP, INC 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 140
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 117
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 18
Total of all active and inactive participants 2015-01-01 135
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 135
Number of participants with account balances 2015-01-01 113
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 6
2014: RIVER VALLEY BANCORP, INC 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 131
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 117
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 13
Total of all active and inactive participants 2014-01-01 130
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 130
Number of participants with account balances 2014-01-01 111
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 6
2013: RIVER VALLEY BANCORP, INC 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 124
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 114
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 10
Total of all active and inactive participants 2013-01-01 124
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 124
Number of participants with account balances 2013-01-01 110
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 4

Measure	Date	Value
2015: RIVER VALLEY BANCORP, INC 401(K) PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	140
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	117
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	18
Total of all active and inactive participants	2015-01-01	135
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	135
Number of participants with account balances	2015-01-01	113
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	6
2014: RIVER VALLEY BANCORP, INC 401(K) PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	131
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	117
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	13
Total of all active and inactive participants	2014-01-01	130
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	130
Number of participants with account balances	2014-01-01	111
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	6
2013: RIVER VALLEY BANCORP, INC 401(K) PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	124
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	114
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	10
Total of all active and inactive participants	2013-01-01	124
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	124
Number of participants with account balances	2013-01-01	110
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	4

Financial Data on RIVER VALLEY BANCORP, INC 401(K) PLAN

Measure	Date	Value
2015 : RIVER VALLEY BANCORP, INC 401(K) PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$417,655
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$153,462
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$147,124
Value of total corrective distributions	2015-12-31	$4,187
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$438,895
Value of total assets at end of year	2015-12-31	$5,320,146
Value of total assets at beginning of year	2015-12-31	$5,055,953
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$2,151
Total interest from all sources	2015-12-31	$6,066
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$109,384
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$109,384
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$305,714
Participant contributions at end of year	2015-12-31	$211,712
Participant contributions at beginning of year	2015-12-31	$180,713
Participant contributions at end of year	2015-12-31	$8,449
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$38,621
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$264,193
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$5,320,146
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$5,055,953
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$4,932,703
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$4,789,113
Interest on participant loans	2015-12-31	$5,990
Income. Interest from loans (other than to participants)	2015-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$164,199
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$86,127
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$86,127
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2015-12-31	$76
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-136,690
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$94,560
Employer contributions (assets) at end of year	2015-12-31	$3,083
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$147,124
Contract administrator fees	2015-12-31	$2,151
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	MONROE SHINE & CO., INC.
Accountancy firm EIN	2015-12-31	351515068
2014 : RIVER VALLEY BANCORP, INC 401(K) PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$791,091
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$344,616
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$341,832
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$391,243
Value of total assets at end of year	2014-12-31	$5,055,953
Value of total assets at beginning of year	2014-12-31	$4,609,478
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$2,784
Total interest from all sources	2014-12-31	$5,538
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$99,442
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$99,442
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$300,289
Participant contributions at end of year	2014-12-31	$180,713
Participant contributions at beginning of year	2014-12-31	$128,838
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$7,019
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$446,475
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$5,055,953
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$4,609,478
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$4,789,113
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$4,391,228
Interest on participant loans	2014-12-31	$5,532
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$86,127
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$89,412
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$89,412
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$6
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$294,868
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$83,935
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$341,832
Contract administrator fees	2014-12-31	$2,784
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	MONROE SHINE & CO., INC.
Accountancy firm EIN	2014-12-31	351515068
2013 : RIVER VALLEY BANCORP, INC 401(K) PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$1,201,083
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$251,376
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$249,705
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$547,267
Value of total assets at end of year	2013-12-31	$4,609,478
Value of total assets at beginning of year	2013-12-31	$3,659,771
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$1,671
Total interest from all sources	2013-12-31	$4,590
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$89,036
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$89,036
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$290,767
Participant contributions at end of year	2013-12-31	$128,838
Participant contributions at beginning of year	2013-12-31	$102,632
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$181,983
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$949,707
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$4,609,478
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$3,659,771
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$4,391,228
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$3,429,447
Interest on participant loans	2013-12-31	$4,572
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$89,412
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$127,692
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$127,692
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$18
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$560,190
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$74,517
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$249,705
Contract administrator fees	2013-12-31	$1,671
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2013-12-31	Yes
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	CROWE HORWATH LLP
Accountancy firm EIN	2013-12-31	350921680

Form 5500 Responses for RIVER VALLEY BANCORP, INC 401(K) PLAN

2015: RIVER VALLEY BANCORP, INC 401(K) PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: RIVER VALLEY BANCORP, INC 401(K) PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: RIVER VALLEY BANCORP, INC 401(K) PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	RIVER VALLEY BANCORP, INC
Employer identification number (EIN):	350261620
NAIC Classification:	522110
NAIC Description:	Commercial Banking