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Original filing (PDF)20251014083200NAL0001127203002
OLD SECOND NATIONAL BANK
Form 5500
FILING_RECEIVED
OLD SECOND NATIONAL BANK POOLED EMPLOYER PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
609
Accounts w/ balance
579
Plan assets (EOY)
$34.4M
Net assets (EOY)
$34.4M
How this plan invests
This plan
1 pooled trust
Schedule D
40 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
- 66 bps in Schedule C fees — 128% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for OLD SECOND NATIONAL BANK.
Plan sponsor
Name
OLD SECOND NATIONAL BANK
EIN
36-1577458
Address
37 SOUTH RIVER STREET · AURORA, IL · 60506
Phone
(630) 906-2000
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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2W · Pooled employer plan (PEP)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CJG PARTNERS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OLD SECOND NATIONAL BANK | 36-1577458 | — | NONE | $214K | — |
| EPIC RETIREMENT PLAN SERVICES | 16-1450952 | — | NONE | $13K | — |
| CHARLES SCHWAB TRUST BANK | 82-3967259 | — | NONE | $0 | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
Investments
39 direct securities · 1 pooled fund· $34.4M(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
$33.4M
39 holdings
Common Collective Trust
$955K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund Mutual Fund - | — | — | — | $7.8M | 22.7% | |
| T Rowe Price All Cap Opp I Mutual Fund - | — | — | — | $3.0M | 8.6% | |
| T Rowe Price Balanced Fund Mutual Fund - | — | — | — | $2.6M | 7.6% | |
| T Rowe Price Retirement 2040 Mutual Fund - | — | — | — | $2.5M | 7.3% | |
| T Rowe Price Retirement 2050 Mutual Fund - | — | — | — | $1.5M | 4.3% | |
| Dodge & Cox International Stock Mutual Fund - | — | — | — | $1.3M | 3.9% | |
| T Rowe Price Retirement 2020 Mutual Fund - | — | — | — | $1.3M | 3.8% | |
| Vanguard Total Bond Market Index Fund Mutual Fund - | — | — | — | $1.2M | 3.5% | |
| T Rowe Price Retirement 2030 Mutual Fund - | — | — | — | $1.1M | 3.1% | |
| CAPITAL PRESERVATION FUND FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $955K | 2.8% | |
| Mfs International Growth Class R-6 Mutual Fund - | — | — | — | $909K | 2.6% | |
| Fidelity Small Cap Index Mutual Fund - | — | — | — | $866K | 2.5% | |
| Mfs Mid Cap Growth Class R-6 Mutual Fund - | — | — | — | $862K | 2.5% | |
| Fidelity Mid Cap Index Mutual Fund - | — | — | — | $741K | 2.2% | |
| Dodge & Cox Income I Mutual Fund - | — | — | — | $648K | 1.9% | |
| Vanguard Mid-Cap Value Index Fund Mutual Fund - | — | — | — | $644K | 1.9% | |
| Participant Loans Participant Loans *** - | — | — | — | $583K | 1.7% | |
| JP Morgan Intl Equity Fund Class R-6 Mutual Fund - | — | — | — | $483K | 1.4% | |
| Vanguard Small-Cap Value Index Fund Mutual Fund - | — | — | — | $448K | 1.3% | |
| Fidelity Intl Index Fund Mutual Fund - | — | — | — | $442K | 1.3% | |
| T Rowe Price Retirement 2045 Mutual Fund - | — | — | — | $436K | 1.3% | |
| Vanguard Short-Term Investment-Grade Fund Mutual Fund - | — | — | — | $433K | 1.3% | |
| T Rowe Price Retirement 2060 Mutual Fund - | — | — | — | $381K | 1.1% | |
| Vanguard Small-Cap Growth Index Fund Mutual Fund - | — | — | — | $365K | 1.1% | |
| Principal Small Cap Institutional Class Mutual Fund - | — | — | — | $328K | 1.0% | |
| Federated Instl High Yield Bond Instl Mutual Fund - | — | — | — | $327K | 0.9% | |
| Fidelity Emerging Markets Fund Mutual Fund - | — | — | — | $321K | 0.9% | |
| T Rowe Price Retirement 2055 Mutual Fund - | — | — | — | $299K | 0.9% | |
| Mfs Value Fund Class R-6 Mutual Fund - | — | — | — | $280K | 0.8% | |
| T Rowe Price Retirement 2025 Mutual Fund - | — | — | — | $230K | 0.7% | |
| Vanguard Intl Growth Index Fund Mutual Fund - | — | — | — | $225K | 0.7% | |
| Vanguard Equity Income Fund Mutual Fund - | — | — | — | $218K | 0.6% | |
| T Rowe Price Dividend Growth Fund Mutual Fund - | — | — | — | $206K | 0.6% | |
| T Rowe Price Retirement 2035 Mutual Fund - | — | — | — | $191K | 0.6% | |
| Vanguard Target Retirement Income Mutual Fund - | — | — | — | $96K | 0.3% | |
| T Rowe Price International Value Equity Fund Mutual Fund - | — | — | — | $82K | 0.2% | |
| Fidelity Mid Cap Stock Fund Mutual Fund - | — | — | — | $54K | 0.2% | |
| T Rowe Price Retirement 2065 Mutual Fund - | — | — | — | $27K | <0.1% | |
| American Funds American Balanced Fund Class R-6 Mutual Fund - | — | — | — | $8K | <0.1% | |
| Vanguard Inflation-Protected Securities Fund Mutual Fund - | — | — | — | $7K | <0.1% |
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