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Original filing (PDF)20250811100948NAL0007116881001
TRUPOINT BANK
Form 5500
FILING_RECEIVED
SBA DEFINED CONTRIBUTION PLAN FOR TRUPOINT BANK
401(k) retirement plan
Active participants
121
Accounts w/ balance
148
Plan assets (EOY)
$11.4M
Net assets (EOY)
$11.4M
How this plan invests
This plan
14 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 69 bps in Schedule C fees — 137% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRUPOINT BANK.
Plan sponsor
Name
TRUPOINT BANK
EIN
54-0924883
Address
20089 RIVERSIDE DRIVE · GRUNDY, VA · 24614
Phone
(276) 935-8161
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
VBA BENEFITS CORPORATION
EIN
54-1741662
City
GLEN ALLEN, VA
Phone
(800) 643-5599
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-11
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BROWN, EDWARDS & COMPANY L.L.P.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | RECORDKEEPER | $50K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VBA BENEFITS CORPORATION | 54-1741662 | — | SERVICE PROVIDER | $28K | — |
Investments
24 direct securities · 14 pooled funds· $19.6M(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.
Common Collective Trust
$10.1M
14 holdings
Uncategorized
$9.5M
24 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vangrd Trgt Retire 2035 Tr II Common Collective Trust | — | — | — | $2.0M | 17.9% | |
| VANGUARD TARGET RETIREMENT 2035 TRU VANGUARD FUNDS · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $2.0M | 17.9% | |
| Vangrd Trgt Retire 2025 Tr II Common Collective Trust | — | — | — | $1.9M | 16.9% | |
| VANGUARD TARGET RETIREMENT 2025 TRU VANGUARD FUNDS · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $1.9M | 16.9% | |
| GOLDMAN SACHS ST VL CL TR IS SR CL GOLDMAN SACHS FUNDS · EIN 13-4166989 / PN 025 | Common Collective Trust | — | — | $1.5M | 12.8% | |
| Vangrd Trgt Retire 2030 Tr II Common Collective Trust | — | — | — | $1.4M | 12.2% | |
| VANGUARD TARGET RETIREMENT 2030 TRU VANGUARD FUNDS · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $1.4M | 12.2% | |
| Vangrd Trgt Retire 2045 Tr II Common Collective Trust | — | — | — | $1.0M | 9.1% | |
| VANGUARD TARGET RETIREMENT 2045 TRU VANGUARD FUNDS · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $1.0M | 9.1% | |
| Vangrd Trgt Retire 2040 Tr II Common Collective Trust | — | — | — | $879K | 7.7% | |
| VANGUARD TARGET RETIREMENT 2040 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $879K | 7.7% | |
| Fidelity 500 Index Fund Registered Investment Company | — | — | — | $614K | 5.4% | |
| WILMINGTON TRUST MFS GROWTH CIT - F WILMINGTON TRUST FUNDS · EIN 38-4126293 / PN 596 | Common Collective Trust | — | — | $322K | 2.8% | |
| Vangrd Trgt Retire 2020 Tr II Common Collective Trust | — | — | — | $301K | 2.6% | |
| VANGUARD TARGET RETIREMENT 2020 TRU VANGUARD FUNDS · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $301K | 2.6% | |
| Vangrd Trgt Retire 2050 Tr II Common Collective Trust | — | — | — | $236K | 2.1% | |
| VANGUARD TARGET RETIREMENT 2050 TRU VANGUARD FUNDS · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $236K | 2.1% | |
| Vangrd Trgt Retire 2055 Tr II Common Collective Trust | — | — | — | $191K | 1.7% | |
| VANGUARD TARGET RETIREMENT 2055 TRU VANGUARD FUNDS · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $191K | 1.7% | |
| JPMorgan Mid Cap Growth Fd R6 Registered Investment Company | — | — | — | $190K | 1.7% | |
| Vangrd Trgt Retire 2065 Tr II Common Collective Trust | — | — | — | $138K | 1.2% | |
| VANGUARD TARGET RETIREMENT 2065 TRU VANGUARD FUNDS · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $138K | 1.2% | |
| Voya Intermediate Bond Fund R6 Registered Investment Company | — | — | — | $126K | 1.1% | |
| Vangrd Trgt Retire Inc Tr II Common Collective Trust | — | — | — | $97K | 0.9% | |
| VANGUARD TARGET RETIREMENT INCOME T VANGUARD FUNDS · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $97K | 0.9% | |
| Vangrd Trgt Retire 2060 Tr II Common Collective Trust | — | — | — | $96K | 0.8% | |
| VANGUARD TARGET RETIREMENT 2060 TRU VANGUARD FUNDS · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $96K | 0.8% | |
| (Held at End of Year) 401K PLAN FOR TRUPOINT BANK EIN#54-0924883 Plan# 002 Victory Sycmr Est Vl Fd R6 Registered Investment Company | — | — | — | $76K | 0.7% | |
| Vangrd Equity Income Fund Adm Registered Investment Company | — | — | — | $70K | 0.6% | |
| PIMCO RAE US Small Ins Registered Investment Company | — | — | — | $51K | 0.4% | |
| party date,rate of interest, collateral, par, or maturity date American Funds EuroPacific R6 Registered Investment Company | — | — | — | $25K | 0.2% | |
| Fid US Bd Id Fd Registered Investment Company | — | — | — | $22K | 0.2% | |
| Fidelity Ext Mkt Index Fund Registered Investment Company | — | — | — | $18K | 0.2% | |
| Vangrd Trgt Retire 2070 Tr II Common Collective Trust | — | — | — | $6K | <0.1% | |
| VANGUARD TARGET RETIREMENT 2070 TRU VANGUARD FUNDS · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $6K | <0.1% | |
| Cohen&Steers Real Est S Fd Z Registered Investment Company | — | — | — | $3K | <0.1% | |
| JPMorgan Emrg Mkts Eqty Fd R6 Registered Investment Company | — | — | — | $3K | <0.1% | |
| Voya Gv Mny Mkt F A (Hld A Registered Investment Company | — | — | — | $2K | <0.1% |