Back to filter
Original filing (PDF)20251030160251NAL0003356688001
SECURITY STATE BANCSHARES, INC.
Form 5500
FILING_RECEIVED
SECURITY STATE BANCSHARES, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
~81 bps in Sched C feesNo recordkeeper disclosed
Active participants
171
Accounts w/ balance
172
Plan assets (EOY)
$17.0M
Net assets (EOY)
$17.0M
How this plan invests
This plan
13 pooled trusts
Schedule D
42 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 81 bps in Schedule C fees — 180% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SECURITY STATE BANCSHARES, INC..
Plan sponsor
Name
SECURITY STATE BANCSHARES, INC.
EIN
62-1421082
Address
PO BOX 99 · CHARLESTON, MO · 63834
Phone
(573) 683-3712
Industry
Management of Companies / Holdingssee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-30
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA INVESTMENT ADVISERS LLC | 36-3258176 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $134K | — |
| BENEFIT PLANS PLUS LLC | 43-1829594 | — | CONTRACT ADMINISTRATOR | $4K | — |
Investments
29 direct securities · 13 pooled funds· $17.0M(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
$10.6M
29 holdings
Common Collective Trust
$6.3M
13 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Life Insurance Company Prin Fixed Inc Guar Option | — | — | — | $3.0M | 17.8% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $1.4M | 8.1% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.0M | 6.1% | |
| The American Funds American Funds NewPrsp R6 Fnd | — | — | — | $933K | 5.5% | |
| The American Funds Am Fds Grth Fd of Am R6 Fund | — | — | — | $895K | 5.3% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $860K | 5.1% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $858K | 5.0% | |
| The American Funds American Fds WshMut Inv R6 Fd | — | — | — | $750K | 4.4% | |
| Paricipant Loans Rates Range from 3.25% to 8.50% | — | — | — | $738K | 4.3% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $709K | 4.2% | |
| BlackRock iShares S&P 500 Index K Fund | — | — | — | $598K | 3.5% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $585K | 3.4% | |
| Lord Abbett Lord Abbett Sht Drtn Inc R6 Fd | — | — | — | $579K | 3.4% | |
| The American Funds Am Fds Fndmtl Inv R6 Fund | — | — | — | $520K | 3.1% | |
| Vanguard Group Vanguard Equity-Inc Adm Fund | — | — | — | $433K | 2.5% | |
| Vanguard Group Vanguard ST Inv-Grade Adm Fd | — | — | — | $413K | 2.4% | |
| Dimensional Fund Advisors DFA Global Equity I Fund | — | — | — | $294K | 1.7% | |
| John Hancock John Hancock Bond R6 Fund | — | — | — | $274K | 1.6% | |
| MFS Investment Management MFS Mid-Cap Growth R6 Fund | — | — | — | $237K | 1.4% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $233K | 1.4% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $208K | 1.2% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $192K | 1.1% | |
| Vanguard Group Vanguard Growth Index Adm Fund | — | — | — | $123K | 0.7% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $105K | 0.6% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $99K | 0.6% | |
| The American Funds Am Fds EuroPacific Grth R6 Fd | — | — | — | $92K | 0.5% | |
| Harbor Small Cap Gr Ret Fund | — | — | — | $91K | 0.5% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $88K | 0.5% | |
| Dimensional Fund Advisors DFA US Small Cap I Fund | — | — | — | $83K | 0.5% | |
| The American Funds Amer Fund Cap Wld Bnd R6 Fund | — | — | — | $82K | 0.5% | |
| Vanguard Group Vanguard Sm Cap Val Idx Adm Fd | — | — | — | $74K | 0.4% | |
| Vanguard Group Vanguard Hi-Yld Corp Adm Fund | — | — | — | $71K | 0.4% | |
| Vanguard Group Vanguard Tl Stk Mkt Idx Adm Fd | — | — | — | $69K | 0.4% | |
| Fidelity Investments Fidelity Mid Cp Index Fund | — | — | — | $65K | 0.4% | |
| Vanguard Group Vanguard Dev Mkts Index Adm Fd | — | — | — | $53K | 0.3% | |
| Legg Mason BRANDYWINEGLBL CORP CRD IS FD | — | — | — | $45K | 0.3% | |
| Vanguard Group Vanguard MidCap Val Idx Adm Fd | — | — | — | $35K | 0.2% | |
| Dimensional Fund Advisors DFA Emerg Mrkts Small Cap I Fd | — | — | — | $23K | 0.1% | |
| Cohen & Steers Cohen & Steers Re Est Sec Z Fd | — | — | — | $20K | 0.1% | |
| MFS Investment Management MFS New Discovery Value R6 Fd | — | — | — | $14K | <0.1% | |
| PRIN LIFETIME HY 2070 CIT Z85 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $11K | <0.1% | |
| Dimensional Fund Advisors DFA Inter Gov Fixed Inc I Fd | — | — | — | $10K | <0.1% |
Related plans
Other plans using PRINCIPAL LIFE INSURANCE COMPANY
BOARD OF TRUSTEES OF THE I.A.M. NATIONAL PENSION FUND
IAM NATIONAL PENSION FUND
$15.0B · 102,863 participants
CHEVRON CORPORATION
CHEVRON MASTER PENSION TRUST
$12.2B
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
AMERICAN EXPRESS RETIREMENT SAVINGS PLAN
$9.1B · 25,049 participants
LOWE'S COMPANIES, INC.
LOWES 401(K) PLAN
$8.6B · 263,650 participants
HDR, INC.
HDR, INC. BEST PLAN AND ESOP
$7.7B · 12,137 participants
BURNS & MCDONNELL, INC
BURNS & MCDONNELL, INC. EMPLOYEE STOCK OWNERSHIP PLAN
$5.5B · 10,567 participants
Similar-size Management of Companies / Holdings plans
NACOGDOCHES COMMERCIAL BANCSHARES, INC.
NACOGDOCHES COMMERCIAL BANCSHARES, INC. ESOP
$17.3M · 218 participants
EVERTRUST BANK
EVERTRUST BANK 401(K) RETIREMENT PLAN
$18.0M · 84 participants
FARMERS BANK AND TRUST COMPANY
FARMERS BANK AND TRUST COMPANY 401(K) EMPLOYEE STOCK OWNERSHIP PLAN
$18.1M · 89 participants
CEDAR VALLEY BANKSHARES, LTD.
CEDAR VALLEY BANKSHARES, LTD PROFIT SHARING AND
$15.8M · 128 participants
MONTICELLO BANKSHARES, INC.
MONTICELLO BANKSHARES, INC. RETIREMENT SAVINGS PLAN
$15.7M · 192 participants
RICHMOND MUTUAL BANCORPORATION, INC.
RICHMOND MUTUAL BANCORPORATION, INC. EMPLOYEE STOCK OWNERSHIP PLAN
$15.4M · 145 participants
Large plans in Missouri
EDWARD D. JONES & CO., L.P.
EDWARD D. JONES & CO. PROFIT SHARING AND 401(K) PLAN
$12.4B · 50,491 participants
BAYER CORPORATION
BAYER CORPORATION SAVINGS AND RETIREMENT PLAN
$10.8B · 17,218 participants
ASCENSION HEALTH DBA ASCENSION HEALTHCARE
ASCENSION HEALTHCARE MASTER PENSION TRUST
$8.0B
BOARD OF TRUSTEES BOILERMAKER-BLACKSMITH NATIONAL
BOILERMAKER-BLACKSMITH NATIONAL PENSION TRUST
$7.5B · 27,660 participants
WASHINGTON UNIVERSITY IN ST. LOUIS
WASHINGTON UNIVERSITY RETIREMENT SAVINGS PLAN
$7.5B · 27,547 participants
EMERSON ELECTRIC COMPANY
EMERSON ELECTRIC CO. DEFINED CONTRIBUTION PLANS MASTER TRUST
$7.4B