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Original filing (PDF)20250912113955NAL0001257937001
FIRST COMMONWEALTH FINANCIAL CORPORATION
Form 5500
FILING_RECEIVED
FIRST COMMONWEALTH FINANCIAL CORPORATION 401(K) RETIREMENT SAVINGS AND INVESTMENT PLAN
401(k) retirement plan
Active participants
1,763
Accounts w/ balance
1,866
Plan assets (EOY)
$176.1M
Net assets (EOY)
$176.1M
How this plan invests
This plan
1 pooled trust
Schedule D
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 14 bps in Schedule C fees — modestly above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST COMMONWEALTH FINANCIAL CORPORATION.
Plan sponsor
Name
FIRST COMMONWEALTH FINANCIAL CORPORATION
EIN
25-1428528
Address
22 NORTH SIXTH STREET · INDIANA, PA · 157011802
Phone
(724) 463-1699
Industry
Commercial Banking· 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
2025-09-12
Pension benefit codes
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)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
BAKER TILLY US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $127K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $70K | — |
| MERCER INVESTMENTS LLC | 30-0282430 | — | CONSULTANT | $40K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BAKER TILLY | 39-0859910 | — | ACCOUNTANT/AUDITOR | $16K | — |
Investments
26 direct securities · 1 pooled fund· $186.1M(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
$138.8M
24 holdings
Mutual Funds
$36.8M
1 holding
Common Collective Trust
$10.5M
1 holding
Common Stocks
$131K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JP Morgan JPM LG Cap Growth R6 N/R | Mutual Funds | — | — | $36.8M | 20.9% | |
| Fidelity Investments FID 500 Index N/R | — | — | — | $27.0M | 15.3% | |
| John Hancock JH Discpl Value R6 N/R | — | — | — | $11.1M | 6.3% | |
| Common Collective Trust Invesco Stable Value Fund N/R | — | — | — | $10.5M | 6.0% | |
| INVESCO STBL VAL A2 INVESCO TRUST COMPANY · EIN 84-1142974 / PN 001 | Common Collective Trust | — | — | $10.5M | 6.0% | |
| Vanguard Vang Target Ret 2035 N/R | — | — | — | $9.4M | 5.3% | |
| Vanguard Vang Target Ret 2030 N/R | — | — | — | $8.5M | 4.8% | |
| Fidelity Investments FID Extd Mkt Idx N/R | — | — | — | $8.4M | 4.8% | |
| Pioneer Bond K N/R | — | — | — | $8.0M | 4.5% | |
| Hartford HTFD Intl Opps R6 N/R | — | — | — | $7.9M | 4.5% | |
| Vanguard Vang Target Ret 2045 N/R | — | — | — | $7.9M | 4.5% | |
| William Blair WM Blair Smidcp Gr N N/R | — | — | — | $6.5M | 3.7% | |
| Vanguard Vang Target Ret 2025 N/R | — | — | — | $5.6M | 3.2% | |
| Vanguard Vang Target Ret 2040 N/R | — | — | — | $5.6M | 3.2% | |
| Vanguard Vang Target Ret 2050 N/R | — | — | — | $4.6M | 2.6% | |
| Vanguard Vang Target Ret 2055 N/R | — | — | — | $4.4M | 2.5% | |
| Fidelity Investments FID US Bond Idx N/R | — | — | — | $2.3M | 1.3% | |
| Fidelity Investments FID Intl Index N/R | — | — | — | $2.2M | 1.3% | |
| MFS Intl Equity R6 N/R | — | — | — | $1.9M | 1.1% | |
| Alliance Bernstein AB Disc Value Z N/R | — | — | — | $1.8M | 1.0% | |
| Short Term Investments * Fidelity Investments FID Govt Mmkt K6 N/R | — | — | — | $1.7M | 0.9% | |
| Vanguard Vang Target Ret 2060 N/R | — | — | — | $1.2M | 0.7% | |
| Vanguard Vang Target Ret Inc N/R | — | — | — | $1.1M | 0.6% | |
| Vanguard Vang Target Ret 2020 N/R | — | — | — | $640K | 0.4% | |
| Vanguard Vang Target Ret 2065 N/R | — | — | — | $415K | 0.2% | |
| * First Commonwealth Financial Common stock N/R | Common Stocks | — | — | $131K | <0.1% | |
| Vanguard Vang Target Ret 2070 N/R | — | — | — | $55K | <0.1% |
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