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Original filing (PDF)20250715125557NAL0002094849001
THE FIRST NATIONAL BANK IN SIOUX FALLS
Form 5500
FILING_RECEIVED
THE FIRST NATIONAL BANK IN SIOUX FALLS EMPLOYEES PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
50% in single holdingNo recordkeeper disclosed
Active participants
276
Accounts w/ balance
418
Plan assets (EOY)
$110.2M
Net assets (EOY)
$110.2M
How this plan invests
This plan
1 pooled trust
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
75
Total plan cost
75
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "TotalValue of Interest in Registered Investment Companies" is 50% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE FIRST NATIONAL BANK IN SIOUX FALLS.
Plan sponsor
Name
THE FIRST NATIONAL BANK IN SIOUX FALLS
EIN
46-0189380
Address
100 SOUTH PHILLIPS AVENUE · SIOUX FALLS, SD · 57104
Phone
(605) 335-5200
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
2025-07-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Welfare benefit codes
4B · Life Insurance
Audit & trust (Schedule H)
Auditor
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MATRIX TRUST COMPANY | 75-3182674 | — | NONE | $0 | — |
Investments
32 direct securities · 1 pooled fund· $214.9M(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
$214.9M
32 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TotalValue of Interest in Registered Investment Companies | — | — | $99.4M | $107.2M | 97.3% | |
| Vanguard 500 Index Admiral Vanguard 500 Index Admiral | — | — | $9.4M | $11.5M | 10.4% | |
| Vanguard Target Retirement 2040 Inv Vanguard Target Retirement 2040 Inv 9,268,698.21 | — | — | $9.3M | $10.1M | 9.2% | |
| T. Rowe Price Blue Chip Growth I T. Rowe Price Blue Chip Growth I | — | — | $7.9M | $9.4M | 8.6% | |
| Vanguard Target Retirement 2050 Inv Vanguard Target Retirement 2050 Inv 7,956,931.76 | — | — | $8.0M | $8.7M | 7.9% | |
| Vanguard Target Retirement 2030 Inv Vanguard Target Retirement 2030 Inv 7,582,119.58 | — | — | $7.6M | $8.1M | 7.3% | |
| Vanguard Target Retirement 2025 Inv Vanguard Target Retirement 2025 Inv 7,516,248.54 | — | — | $7.5M | $7.6M | 6.9% | |
| Vanguard Target Retirement 2020 Inv Vanguard Target Retirement 2020 Inv 5,757,533.79 | — | — | $5.8M | $5.7M | 5.2% | |
| Vanguard Target Retirement 2035 Inv Vanguard Target Retirement 2035 Inv 5,116,542.02 | — | — | $5.1M | $5.5M | 5.0% | |
| Vanguard Target Retirement 2045 Inv Vanguard Target Retirement 2045 Inv 4,697,179.99 | — | — | $4.7M | $5.2M | 4.7% | |
| Federated Hermes Government Obligations Fund Premier Federated Hermes Government Obligatio4,915,282.57 | — | — | $4.9M | $4.9M | 4.5% | |
| Vanguard Target Retirement Income Inv Vanguard Target Retirement Income Inv4,718,717.07 | — | — | $4.7M | $4.7M | 4.3% | |
| Principal MidCap R-6 Principal MidCap R-6 | — | — | $3.2M | $3.6M | 3.2% | |
| DFA US Large Cap Value I DFA US Large Cap Value I | — | — | $3.3M | $3.5M | 3.2% | |
| Vanguard Total Bond Market Index Adm Vanguard Total Bond Market Index Adm3,025,735.68 | — | — | $3.0M | $3.0M | 2.7% | |
| T. Rowe Price Mid-Cap Value I T. Rowe Price Mid-Cap Value I | — | — | $2.8M | $2.8M | 2.6% | |
| DFA US Small Cap I DFA US Small Cap I | — | — | $2.5M | $2.7M | 2.5% | |
| Vanguard Target Retirement 2055 Inv Vanguard Target Retirement 2055 Inv 2,070,097.99 | — | — | $2.1M | $2.3M | 2.1% | |
| DFA International Core Equity 2 DFA International Core Equity 2 | — | — | $2.0M | $2.0M | 1.8% | |
| Vanguard Target Retirement 2060 Inv Vanguard Target Retirement 2060 Inv 1,685,461.87 | — | — | $1.7M | $1.9M | 1.7% | |
| Guggenheim Total Return Bond Instl Guggenheim Total Return Bond Instl | — | — | $1.5M | $1.5M | 1.3% | |
| Avantis Us Sm Cap Val-Inst Avantis Us Sm Cap Val-Inst | — | — | $781K | $767K | 0.7% | |
| DFA Emerging Markets Core Equity 2 DFA Emerging Markets Core Equity 2 | — | — | $654K | $676K | 0.6% | |
| Vanguard Target Retirement 2065 Inv Vanguard Target Retirement 2065 Inv | — | — | $340K | $373K | 0.3% | |
| TotalValue of Funds Held in Insurance Co. General Account (Unallocated Contracts) | — | — | $203K | $243K | 0.2% | |
| Vanguard Shrt-Term Infl-Prot Sec Idx Adm Vanguard Shrt-Term Infl-Prot Sec Idx | — | — | $196K | $196K | 0.2% | |
| Vanguard Mid Cap Index Admiral Vanguard Mid Cap Index Admiral | — | — | $173K | $169K | 0.2% | |
| Value of Funds Held in Insurance Co. General Account (Unallocated Contracts) New York Life Insurance Policies | — | — | $112K | $128K | 0.1% | |
| Vanguard Total Intl Stock Index Admiral Vanguard Total Intl Stock Index Admir | — | — | $124K | $125K | 0.1% | |
| Value of Interest in Registered Investment Companies Avantis International Small Cap Val Ins Avantis International Small Cap Val I | — | — | $118K | $121K | 0.1% | |
| New York Life Insurance Policies Northwestern Mutual Life Insurance Policies Northwestern Mutual Life Insurance Policies90,647.76 | — | — | $91K | $115K | 0.1% | |
| Vanguard Target Retirement 2070 Fund Vanguard Target Retirement 2070 Fund | — | — | $83K | $84K | <0.1% | |
| ONEAMERICA STABLE VALUE Z MIDWEST INSTITUTIONAL TRUST SERVICES · EIN 39-6490536 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |