Original filing (PDF)20260126143855NAL0001983344001

SANTANDER HOLDINGS USA, INC.

Name: SANTANDER HOLDINGS USA, INC. — SANTANDER 401(K) PLAN, Form 5500 (2024)
Creator: SANTANDER HOLDINGS USA, INC.

Form 5500

FILING_RECEIVED

SANTANDER 401(K) PLAN

401(k) retirement plan

Signals · 2

Late filing · 2.3 moNo recordkeeper disclosed

Active participants

12,035

Accounts w/ balance

14,730

Plan assets (EOY)

$1.9B

Net assets (EOY)

$1.9B

How this plan invests

This plan

23 pooled trusts

Schedule D

27 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Concentration risk

100

Total plan cost

100

Vendor stack

Participation health

100

Knocking points off

Filed 2.3 months past the 10.5-month grace window.
No recordkeeper disclosed on Schedule C.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SANTANDER HOLDINGS USA, INC..

Plan sponsor

Name

SANTANDER HOLDINGS USA, INC.

EIN

23-2453088

Address

1130 BERKSHIRE BLVD · WYOMISSING, PA · 19610

Phone

(800) 210-1426

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

2026-01-26

Pension benefit codes

2K · 401(m) arrangement

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2T · Default investment account (QDIA)

3H · Sponsor in controlled / affiliated group

Audit & trust (Schedule H)

Auditor

HERBEIN & COMPANY, INC.

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY	84-0467907	—	NONE	$535K	—
WILLIS TOWERS WATSON US LLC	—	PITTSBURGH, PA	NONE	$120K	—
HERBEIN & CO INC	23-2415973	—	NONE	$39K	—

Investments

4 direct securities · 23 pooled funds· $1.9B(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

$1.4B

21 holdings

Pooled Separate Account

$265.0M

2 holdings

Uncategorized

$166.2M

4 holdings

Investment	Type	Shares / units	Cost	Current value	% of plan
LARGE CAP GROWTH / JENNISON FUND PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 06-1050034 / PN 408	Pooled Separate Account	—	—	$220.7M	11.9%
STATE ST TARGET RET 2035 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 499	Common Collective Trust	—	—	$164.2M	8.8%
STATE ST TARGET RET 2045 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 001	Common Collective Trust	—	—	$159.9M	8.6%
STATE ST TARGET RET 2040 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 493	Common Collective Trust	—	—	$159.6M	8.6%
STATE ST TARGET RET 2030 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 492	Common Collective Trust	—	—	$145.9M	7.8%
Dodge & Cox Stock Fund Registered Investment Company NR	—	—	—	$131.6M	7.1%
STATE ST TARGET RET 2050 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 002	Common Collective Trust	—	—	$120.7M	6.5%
T ROWE PRICE STABLE VALUE COMMON CL T.ROWE PRICE TRUST COMPANY · EIN 52-1309931 / PN 001	Common Collective Trust	—	—	$116.8M	6.3%
STATE ST S&P 500 INDX SL CL II STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 04-0025081 / PN 078	Common Collective Trust	—	—	$112.0M	6.0%
STATE ST TARGET RET 2025 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 498	Common Collective Trust	—	—	$91.3M	4.9%
STATE ST TARGET RET 2055 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 005	Common Collective Trust	—	—	$81.2M	4.4%
BLACKROCK RUSSELL 2500 ALPHA TILTS BLACKROCK, INC. · EIN 86-3745677 / PN 001	Common Collective Trust	—	—	$75.9M	4.1%
CAPITAL GROUP EUROPACIFIC GROWTH FU PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 06-1050034 / PN 000	Pooled Separate Account	—	—	$44.2M	2.4%
STATE ST US BND INDX SL CL XIV STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 477	Common Collective Trust	—	—	$39.7M	2.1%
STATE ST TARGET RET 2060 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 008	Common Collective Trust	—	—	$35.1M	1.9%
STATE ST TARGET RET 2020 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 491	Common Collective Trust	—	—	$33.0M	1.8%
and maturities ranging from January 2025 Participant Notes Receivable(4) through November 2034 —	—	—	—	$26.2M	1.4%
PRUDENTIAL CORE PLUS BOND 6 PRUDENTIAL TRUST COMPANY · EIN 23-6994310 / PN 165	Common Collective Trust	—	—	$25.3M	1.4%
STATE ST TARGET RET INCOME SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 490	Common Collective Trust	—	—	$23.4M	1.3%
STATE ST RUSSELL SMALL/MID IDX SL C STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 019	Common Collective Trust	—	—	$11.5M	0.6%
BLACKROCK STRATEGIC COMPLETION NL M BLACKROCK FUNDS · EIN 46-3525011 / PN 001	Common Collective Trust	—	—	$10.5M	0.6%
STATE ST TARGET RET 2065 SL CL V STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 046	Common Collective Trust	—	—	$8.9M	0.5%
Vanguard High Yield Corporate Admiral Registered Investment Company NR	—	—	—	$6.9M	0.4%
STT STRT WORLD DEV EX US IDX SL SF STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 015	Common Collective Trust	—	—	$5.8M	0.3%
STATE ST EMG MKTS INDX SL SF CL II STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 035	Common Collective Trust	—	—	$1.8M	<0.1%
Santander ADSs(4) Common Stock (401(k)) NR	—	—	—	$1.5M	<0.1%
STATE ST US GOV CRED BND INDX NL CL STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 261	Common Collective Trust	—	—	$1.4M	<0.1%