How big is Mountain Commerce Bank's plan?

Mountain Commerce Bank's plan reported $17.3M in assets and 109 participants for 2024.

Original filing (PDF)20250918141209NAL0000700835001

Mountain Commerce Bank

Name: Mountain Commerce Bank — Mountain Commerce Bank, Form 5500 (2024)
Creator: Mountain Commerce Bank
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Mountain Commerce Bank Retirement & Savings Plan

401(k) retirement plan · Mountain Commerce Bank's Mountain Commerce Bank Retirement & Savings Plan held $17.3M in plan assets for 109 participants in 2024, with Fidelity as recordkeeper.

Signals · 1

Self-directed brokerage offered

Active participants

109

Accounts w/ balance

120

Plan assets (EOY)

$17.3M

Net assets (EOY)

$17.3M

People on this filing

Jenny Carter signed Mountain Commerce Bank's 2024 Form 5500 as plan administrator.

Jenny Carter — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Mountain Commerce Bank's EIN is 62-0194780.

EIN 62-0194780

Plan number 001

Plan year 2024

ACK ID 20250918141209NAL0000700835001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Mountain Commerce Bank from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Mountain Commerce Bank's plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, a default investment (QDIA), a self-directed brokerage window.

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for MOUNTAIN COMMERCE BANK.

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How this plan invests

This plan

33 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Helping the score

High average account balance (88th percentile).

Plan sponsor

Name

MOUNTAIN COMMERCE BANK

EIN

all filings

Address

P.O. BOX 31258 · KNOXVILLE, TN · 37930

Phone

(865) 694-5721

Industry

Commercial Banking· Finance & Insurance

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

2025-09-18

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)

2R · Participant-directed brokerage (SDBA)

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$28K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
RATHER & KITTRELL INC	91-2046298	—	ADVISOR	$29K	—

Investments

33 direct securities· $17.1M(99% of reported assets)

Mutual Funds

$11.6M

28 holdings

Self-Directed Brokerage

$2.2M

1 holding

Common Collective Trusts

$1.9M

1 holding

Common Stocks

$1.4M

1 holding

U.S. Treasuries

$33K

1 holding

Other securities

$22K

1 holding

					% of plan
Self-Directed Accounts Self-Directed Accounts	Self-Directed Brokerage	—	—	$2.2M	12.6%
Fidelity 500 Index Mutual Fund	Common Collective Trusts	—	—	$1.9M	11.0%
Vanguard Growth Index Mutual Fund	Mutual Funds	—	—	$1.8M	10.2%
Vanguard Target Retirement 2035 Mutual Fund	Mutual Funds	—	—	$1.6M	9.4%
Vanguard Target Retirement 2040 Mutual Fund	Mutual Funds	—	—	$1.5M	8.7%
Standard Guaranteed Fixed Interest Fund IV Group Annuity Contract	Common Stocks	—	—	$1.4M	8.0%
Vanguard Mid Cap Growth Index Mutual Fund	Mutual Funds	—	—	$946K	5.5%
Vanguard Value Index Mutual Fund	Mutual Funds	—	—	$725K	4.2%
Fidelity Govt Market K6 Mutual Fund	Mutual Funds	—	—	$606K	3.5%
Vanguard Target Retirement 2050 Mutual Fund	Mutual Funds	—	—	$577K	3.3%
Vanguard Small Cap Growth Index Mutual Fund	Mutual Funds	—	—	$546K	3.2%
Fidelity Intl Index Mutual Fund	Mutual Funds	—	—	$468K	2.7%
Vanguard Target Retirement 2045 Mutual Fund	Mutual Funds	—	—	$450K	2.6%
Vanguard Target Retirement 2025 Mutual Fund	Mutual Funds	—	—	$433K	2.5%
Vanguard Target Retirement 2030 Mutual Fund	Mutual Funds	—	—	$323K	1.9%
Fidelity US Bond Index Mutual Fund	Mutual Funds	—	—	$285K	1.6%
Vanguard Target Retirement 2020 Mutual Fund	Mutual Funds	—	—	$265K	1.5%
Vanguard Target Retirement 2060 Mutual Fund	Mutual Funds	—	—	$264K	1.5%
Vanguard Target Retirement 2055 Mutual Fund	Mutual Funds	—	—	$198K	1.1%
Vanguard Small Cap Value Index Mutual Fund	Mutual Funds	—	—	$160K	0.9%
Vanguard Small Cap Index Mutual Fund	Mutual Funds	—	—	$105K	0.6%
DFA Real Estate Securities Mutual Fund	Mutual Funds	—	—	$84K	0.5%
Vanguard Mid Cap Index Mutual Fund	Mutual Funds	—	—	$70K	0.4%
Fidelity Emerging Markets Index Mutual Fund	Mutual Funds	—	—	$38K	0.2%
JPMorgan Govt Bond R6 Mutual Fund	U.S. Treasuries	—	—	$33K	0.2%
Vanguard Target Retirement 2065 Mutual Fund	Mutual Funds	—	—	$33K	0.2%
DFA International Value I Mutual Fund	Mutual Funds	—	—	$32K	0.2%
Fidelity Mid Cap Index Mutual Fund	Mutual Funds	—	—	$28K	0.2%
Principal Short Term Income Fund Mutual Fund	Other securities	—	—	$22K	0.1%
Vanguard Intm Bd Index Mutual Fund	Mutual Funds	—	—	$22K	0.1%
Fidelity Inflation Protected Bond Index Mutual Fund	Mutual Funds	—	—	$19K	0.1%
Vanguard Lifestrategy Growth Mutual Fund	Mutual Funds	—	—	$15K	<0.1%
Vanguard Intl Growth Mutual Fund	Mutual Funds	—	—	$11K	<0.1%