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Original filing (PDF)20251015091425NAL0002068547001
PEOPLES SECURITY BANK & TRUST COMPANY
Form 5500
FILING_RECEIVED
PEOPLES SECURITY BANK 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
551
Accounts w/ balance
669
Plan assets (EOY)
$52.8M
Net assets (EOY)
$52.6M
How this plan invests
This plan
29 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
- 25 bps in Schedule C fees — 57% 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 PEOPLES SECURITY BANK & TRUST COMPANY.
Plan sponsor
Name
PEOPLES SECURITY BANK & TRUST COMPANY
EIN
24-0603570
Address
100 SOUTH BLAKELY STREET · DUNMORE, PA · 18512
Phone
(570) 346-7741
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
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)
3I · Requires investment in employer securities
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CONRAD SIEGEL INVESTMENT ADVISORS | 01-0726056 | — | NONE | $59K | — |
| CONRAD SIEGEL | 23-1669823 | HARRISBURG, PA | NONE | $50K | — |
| CHARLES SCHWAB BANK | 42-1558009 | — | NONE | $23K | — |
| FIDELITY MANAGEMENT & RESEARCH COMP | 06-1194217 | — | NONE | $0 | — |
Investments
29 direct securities· $52.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2025 | — | — | — | $7.3M | 13.9% | |
| Vanguard Target Retirement 2030 | — | — | — | $6.1M | 11.6% | |
| Vanguard Target Retirement 2050 | — | — | — | $4.4M | 8.4% | |
| Vanguard Target Retirement 2035 | — | — | — | $4.3M | 8.1% | |
| Fidelity 500 Index | — | — | — | $3.5M | 6.6% | |
| Peoples Financial Services Corp. Common Stock 56,026 shares | — | — | — | $2.9M | 5.4% | |
| Vanguard Growth Index Fund | — | — | — | $2.6M | 4.9% | |
| Charles Schwab Trust Company Schwab Retirement Govt Money | — | — | — | $2.5M | 4.7% | |
| Vanguard Target Retirement 2045 | — | — | — | $2.3M | 4.3% | |
| Vanguard Mid Cap Index | — | — | — | $2.2M | 4.1% | |
| Vanguard Target Retirement 2040 | — | — | — | $2.1M | 3.9% | |
| Vanguard Target Retirement Income | — | — | — | $2.0M | 3.8% | |
| Vanguard Wellington | — | — | — | $1.7M | 3.1% | |
| Vanguard Value Index | — | — | — | $1.6M | 3.0% | |
| Vanguard Target Retirement 2020 | — | — | — | $1.4M | 2.7% | |
| Vanguard Small Cap Index | — | — | — | $1.1M | 2.1% | |
| Vanguard Total Bond Market Index | — | — | — | $769K | 1.5% | |
| Participant Loans Interest rates: (4.25% to 9.50%) $0 | — | — | — | $756K | 1.4% | |
| Vanguard Developed Markets Index | — | — | — | $546K | 1.0% | |
| Vanguard Interm Term Investment | — | — | — | $533K | 1.0% | |
| Vanguard GNMA Fund | — | — | — | $443K | 0.8% | |
| Vanguard Small Cap Value Index | — | — | — | $376K | 0.7% | |
| Vanguard Total International Stock | — | — | — | $373K | 0.7% | |
| Vanguard Short-Term Treasury | — | — | — | $285K | 0.5% | |
| Vanguard Target Retirement 2060 | — | — | — | $217K | 0.4% | |
| Vanguard Target Retirement 2055 | — | — | — | $216K | 0.4% | |
| Vanguard Interm Treasury Fund | — | — | — | $194K | 0.4% | |
| Vanguard Target Retirement 2065 | — | — | — | $58K | 0.1% | |
| Vanguard Target Retirement 2070 | — | — | — | $2K | <0.1% |