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Original filing (PDF)20251009084647NAL0006702625001
FIRST INTERNATIONAL BANK & TRUST
Form 5500
FILING_RECEIVED
FIRST INTERNATIONAL BANK & TRUST 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
30% in single holding
Active participants
616
Accounts w/ balance
770
Plan assets (EOY)
$98.4M
Net assets (EOY)
$98.4M
How this plan invests
This plan
1 pooled trust
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
85
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Fidelity Fidelity Advisor Asset Manager 85% Z" is 30% of plan.
Helping the score
- Below-peer total fees (6 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST INTERNATIONAL BANK & TRUST.
Plan sponsor
Name
FIRST INTERNATIONAL BANK & TRUST
EIN
45-0134280
Address
100 NORTH MAIN STREET · WATFORD CITY, ND · 58854
Phone
(701) 751-8529
Industry
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
2025-10-09
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $14K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIRST INTERNATIONAL BANK & TRUST | — | FARGO, ND | OTHER | $31K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $10K | — |
Investments
33 direct securities · 1 pooled fund· $98.4M(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
$98.4M
33 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Advisor Asset Manager 85% Z | — | — | — | $29.8M | 30.2% | |
| JP Morgan JP Morgan Large Cap Growth R6 | — | — | — | $9.7M | 9.8% | |
| Fidelity Advisor Asset Manager 60% Z | — | — | — | $7.2M | 7.3% | |
| Fidelity Advisor Asset Manager 70% Z | — | — | — | $7.1M | 7.2% | |
| Vanguard 500 Index Fund Admiral Shares | — | — | — | $6.8M | 6.9% | |
| Vanguard Target Retirement 2045 Fund Investor Shares | — | — | — | $4.4M | 4.5% | |
| Standard Insurance Company APEX Capital Preservation Income Fund I | — | — | — | $3.6M | 3.7% | |
| Vanguard Target Retirement 2030 Fund Investor Shares | — | — | — | $3.0M | 3.1% | |
| Vanguard Target Retirement 2040 Fund Investor Shares | — | — | — | $2.9M | 3.0% | |
| Vanguard Target Retirement 2055 Fund Investor Shares | — | — | — | $2.9M | 2.9% | |
| Vanguard Target Retirement 2050 Fund Investor Shares | — | — | — | $2.5M | 2.6% | |
| Fidelity Mid Cap Index | — | — | — | $1.9M | 1.9% | |
| Vanguard Target Retirement 2035 Fund Investor Shares | — | — | — | $1.8M | 1.8% | |
| Vanguard Small-Cap Growth Index Fund Admiral Shares | — | — | — | $1.6M | 1.6% | |
| Vanguard Target Retirement 2060 Fund Investor Shares | — | — | — | $1.6M | 1.6% | |
| Vanguard Small-Cap Value Index Fund Admiral Shares | — | — | — | $1.5M | 1.5% | |
| Fidelity Advisor Total Bond I | — | — | — | $1.3M | 1.3% | |
| MFS Value Fund Class I | — | — | — | $1.3M | 1.3% | |
| Nationwide International Index Fund Class R6 | — | — | — | $1.2M | 1.2% | |
| Vanguard Total Bond Market Index Fund Admiral Shares | — | — | — | $1.1M | 1.2% | |
| Vanguard Target Retirement 2065 Fund Investor Shares | — | — | — | $1.1M | 1.1% | |
| American Funds American Funds New World R6 | — | — | — | $830K | 0.8% | |
| Vanguard Target Retirement 2025 Fund Investor Shares | — | — | — | $684K | 0.7% | |
| PGIM High Yield Fund R6 | — | — | — | $534K | 0.5% | |
| Fidelity Advisor Asset Manager 40% Z | — | — | — | $444K | 0.5% | |
| Vanguard Target Retirement Income Fund Investor Shares | — | — | — | $353K | 0.4% | |
| Lazard Global Listed Infrastructure Portfolio Institutional Shares | — | — | — | $305K | 0.3% | |
| Cohen & Steers Cohen & Steers Realty Shares Fund Class L | — | — | — | $235K | 0.2% | |
| Fidelity Mid Cap Growth Index | — | — | — | $217K | 0.2% | |
| American Century American Century Inflation Adjusted Bond Fund Investor Class | — | — | — | $207K | 0.2% | |
| Fidelity Advisor Asset Manager 20% Z | — | — | — | $201K | 0.2% | |
| Vanguard Target Retirement 2070 | — | — | — | $51K | <0.1% | |
| Dreyfus Government Cash Mgmt Instl | — | — | — | $23K | <0.1% | |
| FEDERATED HERMES CAPITAL PRESERVATI FEDERATED INVESTORS · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |