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Original filing (PDF)20250730123711NAL0004070833001
PENNS WOODS BANCORP, INC.
Form 5500
FILING_RECEIVED
PENNS WOODS BANCORP, INC. 401(K) PLAN
401(k) retirement plan
Active participants
314
Accounts w/ balance
263
Plan assets (EOY)
$22.2M
Net assets (EOY)
$22.2M
How this plan invests
This plan
14 pooled trusts
Schedule D
43 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PENNS WOODS BANCORP, INC..
Plan sponsor
Name
PENNS WOODS BANCORP, INC.
EIN
23-2226454
Address
300 MARKET STREET · WILLIAMSPORT, PA · 177030967
Phone
(570) 322-1111
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
2025-07-30
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
S.R. SNODGRASS, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $52K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA INVESTMENT ADVISORS LLC | 36-3258176 | — | ADVISOR | $19K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $5K | — |
Investments
31 direct securities · 14 pooled funds· $22.2M(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.
Common Collective Trust
$14.2M
14 holdings
Uncategorized
$7.8M
30 holdings
Common Stocks
$241K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FLEXPATH MOD 2035 R1 GREAT GRAY TRUST COMPANY · EIN 47-2478524 / PN 217 | Common Collective Trust | 254,396.354 | $3.6M | $4.8M | 21.6% | |
| FLEXPATH MOD RET R1 GREAT GRAY TRUST COMPANY · EIN 47-2248665 / PN 211 | Common Collective Trust | 311,207.48 | $4.7M | $4.7M | 21.3% | |
| FLEXPATH MOD 2045 R1 GREAT GRAY TRUST COMPANY · EIN 47-2516187 / PN 220 | Common Collective Trust | 110,285.122 | $1.7M | $2.4M | 10.6% | |
| FLEXPATH MOD 2055 R1 GREAT GRAY TRUST COMPANY · EIN 47-2563528 / PN 223 | Common Collective Trust | 64,063.749 | $1.0M | $1.4M | 6.4% | |
| FID 500 INDEX | — | 4,092.884 | $621K | $836K | 3.8% | |
| VANG HI DIV IDX ADM | — | 17,013.881 | $513K | $655K | 2.9% | |
| AF BALANCED R6 | — | 14,162.821 | $432K | $486K | 2.2% | |
| MFS TECHNOLOGY R6 | — | 6,684.551 | $421K | $485K | 2.2% | |
| FID LG CAP GR IDX | — | 11,711.836 | $280K | $459K | 2.1% | |
| FID CONTRAFUND K6 | — | 14,529.626 | $322K | $452K | 2.0% | |
| AF NEW PERSPECT R6 | — | 7,251.657 | $385K | $451K | 2.0% | |
| PGIM TOTAL RTN BD R6 | — | 29,504.733 | $376K | $349K | 1.6% | |
| FID MID CAP IDX | — | 10,034.069 | $259K | $339K | 1.5% | |
| OUTSTANDING LOAN BALANCE | — | — | — | $335K | 1.5% | |
| JHANCOCK REG BANK I | — | 11,349.798 | $295K | $323K | 1.5% | |
| FLEXPATH AGR 2035 R1 GREAT GRAY TRUST COMPANY · EIN 47-2468898 / PN 216 | Common Collective Trust | 14,585.293 | $243K | $317K | 1.4% | |
| FLEXPATH AGR 2045 R1 GREAT GRAY TRUST COMPANY · EIN 47-2503540 / PN 219 | Common Collective Trust | 13,301.301 | $226K | $311K | 1.4% | |
| BLKRK HLTH SCI OPP K | — | 3,909.303 | $279K | $263K | 1.2% | |
| FID LG CAP VAL IDX | — | 14,490.557 | $214K | $263K | 1.2% | |
| COMMON STOCK | Common Stocks | — | $153K | $241K | 1.1% | |
| FID GOVT MMKT | — | 230,930.88 | $231K | $231K | 1.0% | |
| FID SM CAP IDX | — | 8,339.048 | $191K | $231K | 1.0% | |
| FID GLB EX US IDX | — | 14,712.26 | $203K | $212K | 1.0% | |
| FID US BOND IDX | — | 19,823.754 | $211K | $203K | 0.9% | |
| FID EMRG MKTS IDX | — | 16,813.469 | $178K | $176K | 0.8% | |
| BLKRK HIGH YLD K | — | 23,201.641 | $168K | $165K | 0.7% | |
| J H TRITON N | — | 5,856.822 | $179K | $161K | 0.7% | |
| CALV US LG CP CRI R6 | — | 2,386.777 | $76K | $121K | 0.5% | |
| PGIM J UTILITY R6 | — | 7,971.967 | $119K | $120K | 0.5% | |
| FLEXPATH CON 2045 R1 GREAT GRAY TRUST COMPANY · EIN 47-2529162 / PN 221 | Common Collective Trust | 5,577.953 | $93K | $111K | 0.5% | |
| FID LOW-PRICED ST K6 | — | 7,210.564 | $94K | $105K | 0.5% | |
| LD ABT ULT SHT BD R6 | — | 9,201.991 | $92K | $92K | 0.4% | |
| CASH | — | — | $79K | $79K | 0.4% | |
| CALVERT GREEN BOND I | — | 4,674.353 | $67K | $65K | 0.3% | |
| FLEXPATH CON RET R1 GREAT GRAY TRUST COMPANY · EIN 47-2264760 / PN 212 | Common Collective Trust | 4,465.415 | $59K | $63K | 0.3% | |
| STD CAP PRSVN INC I | — | 1,462.572 | $42K | $44K | 0.2% | |
| CALV INTL RSP IDX I | — | 1,458.715 | $40K | $43K | 0.2% | |
| FLEXPATH CON 2055 R1 GREAT GRAY TRUST COMPANY · EIN 47-2575758 / PN 224 | Common Collective Trust | 1,555.329 | $29K | $36K | 0.2% | |
| FLEXPATH AGR 2055 R1 GREAT GRAY TRUST COMPANY · EIN 47-2554270 / PN 222 | Common Collective Trust | 1,256.078 | $24K | $30K | 0.1% | |
| FID INFL PR BD IDX | — | 3,272.175 | $32K | $29K | 0.1% | |
| FID REAL ESTATE IDX | — | 1,127.181 | $18K | $18K | <0.1% | |
| FLEXPATH CON 2035 R1 GREAT GRAY TRUST COMPANY · EIN 47-2491300 / PN 218 | Common Collective Trust | 343.547 | $5K | $6K | <0.1% | |
| FLEXPATH AGR RET R1 GREAT GRAY TRUST COMPANY · EIN 47-2238264 / PN 210 | Common Collective Trust | 329.938 | $6K | $5K | <0.1% | |
| FLEXPATH AGR 2025 R1 GREAT GRAY TRUST COMPANY · EIN 47-2275031 / PN 213 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH MOD 2025 R1 GREAT GRAY TRUST COMPANY · EIN 47-2285799 / PN 214 | Common Collective Trust | — | — | $0 | <0.1% |