Cadence Bank 401(k) and pension plans

Cadence Bank, Tupelo, MS. EIN 64-0117230. Annual reports 2009–2025. Also filed as Bancorpsouth, Inc.; Bancorpsouth, Inc; Bancorpsouth Bank.

Cadence Bank has 2 active retirement plans on file. The largest is the Cadence 401(k) Profit-Sharing Plan, with 7,885 participants and $926 million in assets in 2025. Fidelity has been its recordkeeper since 2016.

Active plans: 2
Participants: 14,664
Plan assets: $1.3 billion
401(k) recordkeeper: Fidelity
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

Cadence 401(k) Profit-Sharing Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 002Employer EIN 64-0117230
Participants (2025): 7,885
Net assets (2025): $926 million
Recordkeeper: FidelityEarlier: Empower (2015), Federated Retirement Plan Services (2014), Federated Investors (2010–2013), Federated Retirement Plan Services (2009)
Plan administrator: Cadence Bank
201 South Spring Street
Tupelo, MS 38804
(662) 680-2578As filed for 2025
In effect since: January 1, 1984

Plans merged into this one: Cadence Bank 401(k) Plan (2021).

Earlier sponsors: Bancorpsouth, Inc. (2009–2016); Bancorpsouth Bank (2017–2020).

Earlier plan names: Bancorpsouth, Inc. 401(k) Profit Sharing Plan and Trust; Bancorpsouth, Inc. 401(k) Profit Sharing Sharing Plan and Trust; Bancorpsouth, Inc 401(k) Profit Sharing Plan and Trust; Bancorpsouth 401(k) Profit Sharing Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	7,885	$926 million	Fidelity
2024	8,076	$817 million	Fidelity
2023	8,560	$797 million	Fidelity
2022	8,834	$717 million	Fidelity
2021	8,783	$892 million	Fidelity
2020	6,072	$607 million	Fidelity
2019	5,971	$557 million	Fidelity
2018	5,614	$452 million	Fidelity
2017	5,270	$460 million	Fidelity
2016	5,057	$414 million	Fidelity
2015	4,483	$364 million	Empower
2014	4,979	$356 million	Federated Retirement Plan Services
2013	4,943	$361 million	Federated Investors
2012	4,654	$280 million	Federated Investors
2011	4,645	$229 million	Federated Investors
2010	5,449	$250 million	Federated Investors
2009	5,413	$265 million	Federated Retirement Plan Services

Cadence Retirement Plan and Trust Agreement

Cash balance pensionActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 64-0117230
Participants (2024): 6,779
Net assets (2024): $341 million
Administered by: WTW2019–2024
Plan administrator: Cadence Bank
201 South Spring ST.
Tupelo, MS 38804
(662) 680-2558As filed for 2024
In effect since: September 1, 1965

Earlier sponsors: Bancorpsouth, Inc. (2009–2015); Bancorpsouth Bank (2016–2020).

Earlier plan names: Bancorpsouth, Inc. Retirement Plan; Bancorpsouth Bank Retirement Plan; Bancorpsouth Retirement Plan and Trust Agreement.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	6,779	$341 million	WTW
2023	7,396	$338 million	WTW
2022	6,630	$342 million	WTW
2021	5,570	$414 million	WTW
2020	5,649	$393 million	WTW
2019	5,370	$390 million	WTW
2018	5,792	$325 million	not listed
2017	5,398	$348 million	not listed
2016	5,253	$233 million	not listed
2015	5,133	$212 million	not listed
2014	4,984	$201 million	not listed
2013	4,934	$196 million	not listed
2012	4,875	$204 million	not listed
2011	3,726	$195 million	not listed
2010	3,540	$198 million	not listed
2009	3,643	$180 million	not listed

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Cadence 401(k) Profit-Sharing Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((662) 680-2578). That number was filed for 2025; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

Cadence 401(k) Profit-Sharing Plan

Cadence Retirement Plan and Trust Agreement

If you had money in one of these plans

What these numbers are

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