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Original filing (PDF)20251014074226NAL0001082755001
SMARTBANK
Form 5500
FILING_RECEIVED
SMARTBANK 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
607
Accounts w/ balance
703
Plan assets (EOY)
$57.3M
Net assets (EOY)
$57.3M
How this plan invests
This plan
2 pooled trusts
Schedule D
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 35 bps in Schedule C fees — 116% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SMARTBANK.
Plan sponsor
Name
SMARTBANK
EIN
20-4091629
Address
5401 KINGSTON PIKE, SUITE 600 · KNOXVILLE, TN · 37919
Phone
(865) 453-2650
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
PYA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE TRUST COMPANY OF TENNESSEE INC | 62-1291257 | — | NONE | $198K | — |
Investments
22 direct securities · 2 pooled funds· $52.9M(92% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$50.1M
22 holdings
Common Collective Trust
$2.8M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock Lifepath Index 2035 Fund K 387,695.9000 Shares of Registered Investment Co n/a | — | — | — | $7.3M | 12.8% | |
| Vanguard 500 Index Fd #540 Adm Shs 12,260.6710 Shares of Registered Investment Co n/a | — | — | — | $6.7M | 11.6% | |
| BlackRock Lifepath Index Retirement Fund K 432,040.4530 Shares of Registered Investment Co n/a | — | — | — | $5.9M | 10.4% | |
| BlackRock Lifepath Index 2045 Fund K 249,436.8170 Shares of Registered Investment Co n/a | — | — | — | $5.5M | 9.7% | |
| BlackRock Lifepath Index 2040 Fund K 215,328.1970 Shares of Registered Investment Co n/a | — | — | — | $4.4M | 7.7% | |
| Vanguard Growth Index Admiral 20,103.7230 Shares of Registered Investment Co n/a | — | — | — | $4.2M | 7.4% | |
| BlackRock Lifepath Index 2055 Fund K 117,789.6530 Shares of Registered Investment Co n/a | — | — | — | $2.8M | 5.0% | |
| INVESCO STABLE VALUE TRUST CLASS A1 INVESCO TRUST COMPANY · EIN 84-1142974 / PN 001 | Common Collective Trust | — | — | $2.8M | 4.9% | |
| BlackRock Lifepath Index 2050 Fund K 116,566.4980 Shares of Registered Investment Co n/a | — | — | — | $2.7M | 4.7% | |
| Vanguard Value Index Admiral #506 32,762.2130 Shares of Registered Investment Co n/a | — | — | — | $2.2M | 3.8% | |
| Goldman Sachs GQG Ptnrs Intl Opps R6 59,631.0330 Shares of Registered Investment Co n/a | — | — | — | $1.2M | 2.0% | |
| Causeway International Value Instl 51,574.7900 Shares of Registered Investment Co n/a | — | — | — | $957K | 1.7% | |
| JP Morgan Emerging Markets Equity R6 30,383.7880 Shares of Registered Investment Co n/a | — | — | — | $919K | 1.6% | |
| SmartBank Participant Loans 907,266.5800 Interest Rate 4.25% - 9.50% n/a | — | — | — | $907K | 1.6% | |
| Conestoga Small Cap Inst'l 10,868.9350 Shares of Registered Investment Co n/a | — | — | — | $864K | 1.5% | |
| BlackRock LifePath Index 2060 Fund K 30,347.8430 Shares of Registered Investment Co n/a | — | — | — | $655K | 1.1% | |
| Nationwide WCM Focused Small Cap R6 19,179.9820 Shares of Registered Investment Co n/a | — | — | — | $597K | 1.0% | |
| Metropolitan West Intermediate Bond I 56,504.1560 Shares of Registered Investment Co n/a | — | — | — | $525K | 0.9% | |
| JP Morgan Core Bond R6 49,607.0760 Shares of Registered Investment Co n/a | — | — | — | $502K | 0.9% | |
| Fidelity Real Estate Index Fund 28,097.9130 Shares of Registered Investment Co n/a | — | — | — | $453K | 0.8% | |
| Blackrock Strategic Income Opps K 35,813.8200 Shares of Registered Investment Co n/a | — | — | — | $340K | 0.6% | |
| BlackRock LifePath Index 2065 Fund K 12,608.7100 Shares of Registered Investment Co n/a | — | — | — | $191K | 0.3% | |
| Vanguard Inflation-Protected Sec Fd Admiral 8,224.0690 Shares of Registered Investment Co n/a | — | — | — | $185K | 0.3% | |
| FEDERATED CAPITAL PRESERVATION FUND FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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