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Original filing (PDF)20251010110425NAL0004529747009
WNB HOLDING COMPANY
Form 5500
FILING_RECEIVED
WNB 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
114
Accounts w/ balance
190
Plan assets (EOY)
$28.0M
Net assets (EOY)
$28.0M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WNB HOLDING COMPANY.
Plan sponsor
Name
WNB HOLDING COMPANY
EIN
41-1522863
Address
204 MAIN ST. · PO BOX 499 · WINONA, MN · 55987
Phone
(507) 454-4320
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
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)
2S · Automatic enrollment
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MILLER WELLE HEISER & CO LTD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WNB FINANCIAL | — | WINONA, MN | NONE | $88K | — |
| EPIC RETIREMENT PLAN SERVICES | 16-1450952 | — | NONE | $3K | — |
| CHARLES SCHWAB TRUST BANK | 82-3967259 | — | NONE | $0 | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
Investments
28 direct securities· $27.4M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Instl Target Retirement 2025 | — | — | — | $4.8M | 17.1% | |
| Vanguard Instl Target Retirement 2035 | — | — | — | $4.2M | 14.9% | |
| American Funds Growth Fund of America | — | — | — | $2.1M | 7.5% | |
| Vanguard Instl Target Retirement 2045 | — | — | — | $2.0M | 7.2% | |
| Vanguard Instl Target Retirement 2030 | — | — | — | $1.9M | 7.0% | |
| Vanguard Balanced Index Admiral | — | — | — | $1.9M | 6.7% | |
| Vanguard 500 Index Admiral Fund | — | — | — | $1.6M | 5.9% | |
| Vanguard Instl Target Retirement 2050 | — | — | — | $1.2M | 4.2% | |
| Vanguard Instl Target Retirement 2055 | — | — | — | $1000K | 3.6% | |
| Vanguard Instl Target Retirement 2040 | — | — | — | $922K | 3.3% | |
| Vanguard Mid Cap Index Admiral Fund | — | — | — | $857K | 3.1% | |
| Vanguard Target Retirement Income | — | — | — | $755K | 2.7% | |
| DFA Large Cap Value | — | — | — | $688K | 2.5% | |
| DFA US Targeted Value | — | — | — | $684K | 2.4% | |
| Vanguard Explorer Fund Admiral | — | — | — | $576K | 2.1% | |
| Vanguard Small Cap Index Admiral Fund | — | — | — | $566K | 2.0% | |
| Vanguard Intermediate Term Bond Index | — | — | — | $394K | 1.4% | |
| Federated High Yield Bond | — | — | — | $287K | 1.0% | |
| Vanguard Instl Target Retirement 2060 | — | — | — | $235K | 0.8% | |
| Vanguard Total International Stock Index Admiral | — | — | — | $230K | 0.8% | |
| Participant loans, 4.25% to 9.50% through June 2035 - | — | — | — | $150K | 0.5% | |
| Vanguard Instl Target Retirement 2065 | — | — | — | $116K | 0.4% | |
| PIMCO International Bond | — | — | — | $83K | 0.3% | |
| American Funds Europacific Growth | — | — | — | $73K | 0.3% | |
| Vanguard Real Estate Index - | — | — | — | $57K | 0.2% | |
| Non-interest bearing | — | — | — | $48K | 0.2% | |
| DFA Inflation Protected Secs | — | — | — | $21K | <0.1% | |
| Vanguard Instl Target Retirement 2020 | — | — | — | $1K | <0.1% |
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