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Original filing (PDF)20250715114450NAL0001568675001
OCEANFIRST BANK
Form 5500
FILING_RECEIVED
RETIREMENT PLAN FOR OCEANFIRST BANK
401(k) retirement plan
Active participants
880
Accounts w/ balance
1,272
Plan assets (EOY)
$109.6M
Net assets (EOY)
$109.6M
How this plan invests
This plan
2 pooled trusts
Schedule D
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 22 bps in Schedule C fees — 120% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for OCEANFIRST BANK.
Plan sponsor
Name
OCEANFIRST BANK
EIN
21-0607451
Address
975 HOOPER AVENUE · TOMS RIVER, NJ · 08753
Phone
(732) 240-4500
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $202K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MAZARS USA LLP | 13-1459550 | — | AUDITOR | $40K | — |
Investments
32 direct securities · 2 pooled funds· $119.5M(100% 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
$110.3M
32 holdings
Pooled Separate Account
$5.3M
1 holding
Common Collective Trust
$4.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2030 Target Date Retirement Fund | — | — | $789K | $13.6M | 12.5% | |
| American Funds 2035 Target Date Retirement Fund | — | — | $621K | $11.8M | 10.8% | |
| American Funds 2025 Target Date Retirement Fund | — | — | $776K | $11.8M | 10.8% | |
| American Funds 2045 Target Date Retirement Fund | — | — | $390K | $8.3M | 7.5% | |
| American Funds 2040 Target Date Retirement Fund | — | — | $374K | $7.7M | 7.0% | |
| JPMorgan Large Cap Growth Fund | — | — | $84K | $7.0M | 6.4% | |
| Fidelity 500 Index | — | — | $28K | $5.8M | 5.3% | |
| NYL New York Life Anchor (35) | — | — | — | $5.3M | 4.8% | |
| NYL ANCHOR (35) NYL · EIN 13-5582869 / PN 125 | Pooled Separate Account | — | $5.2M | $5.3M | 4.8% | |
| Employer Stock Oceanfirst Bank | — | — | — | $4.8M | 4.4% | |
| OceanFirst Financial Corp. Common Stock | — | — | — | $4.7M | 4.3% | |
| American Funds 2050 Target Date Retirement Fund | — | — | $213K | $4.4M | 4.1% | |
| COLUMBIA TRUST DIVIDEND INCOME COLUMBIA · EIN 41-0007957 / PN 166 | Common Collective Trust | — | $197K | $4.0M | 3.6% | |
| T. Rowe Price T. Rowe Price U.S. Equity Research I | — | — | $61K | $3.6M | 3.2% | |
| American Funds 2020 Target Date Retirement Fund | — | — | $240K | $3.2M | 3.0% | |
| American Funds 2055 Target Date Retirement Fund | — | — | $111K | $2.9M | 2.7% | |
| Fidelity Small Cap Index | — | — | $99K | $2.7M | 2.5% | |
| American Funds 2060 Target Date Retirement Fund | — | — | $110K | $2.0M | 1.8% | |
| Notes receivable from Notes receivable with maturities through January ** participants 2034 and with interest rates from 4.25% to 9.50% — | — | — | — | $2.0M | 1.8% | |
| MFS Mid Cap | — | — | $42K | $1.3M | 1.2% | |
| Fidelity International Index | — | — | $28K | $1.3M | 1.2% | |
| American Funds 2015 Target Date Retirement Fund | — | — | $98K | $1.2M | 1.1% | |
| Prudential Total Return Bond | — | — | $96K | $1.1M | 1.0% | |
| Fidelity Mid Cap Index | — | — | $23K | $781K | 0.7% | |
| Dimensional DFA Inflation Protected Securities | — | — | $71K | $765K | 0.7% | |
| American Funds 2010 Target Date Retirement Fund | — | — | $54K | $630K | 0.6% | |
| Hood River Hood River Small-Cap | — | — | $5K | $360K | 0.3% | |
| Prudential High-Yield | — | — | $63K | $302K | 0.3% | |
| Janus Henderson | — | — | $1K | $207K | 0.2% | |
| Fidelity US Bond Index | — | — | $18K | $181K | 0.2% | |
| American Funds New World Fund | — | — | $2K | $134K | 0.1% | |
| Cohen & Steers Cohen & Steers Real Estate Securities | — | — | $6K | $97K | <0.1% | |
| American Funds American Funds EuroPacific Growth | — | — | $2K | $95K | <0.1% | |
| American Beacon American Beacon Small Cap | — | — | $3K | $64K | <0.1% |
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