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Original filing (PDF)20251008090516NAL0005600209001
ENCORE BANK
Form 5500
FILING_RECEIVED
ENCORE BANK 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 2
~85 bps in Sched C feesNo recordkeeper disclosed
Active participants
298
Accounts w/ balance
270
Plan assets (EOY)
$14.7M
Net assets (EOY)
$14.7M
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)
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
- 85 bps in Schedule C fees — 193% 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 ENCORE BANK.
Plan sponsor
Name
ENCORE BANK
EIN
62-1700716
Address
1801 RAHLING RD · LITTLE ROCK, AR · 72223
Phone
(501) 228-6000
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
2025-10-08
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
HOGANTAYLOR LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NOVA 401(K) ASSOCIATES | — | HOUSTON, TX | TPA | $0 | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RAYMOND JAMES AND ASSOCIATES | 59-1237041 | — | SERVICE PROVIDER | $69K | — |
| VOYA RETIREMENT ADVISORS, LLC | 02-0488491 | — | SERVICE PROVIDER | $56K | — |
Investments
33 direct securities · 1 pooled fund· $28.4M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$14.6M
33 holdings
Pooled Separate Account
$13.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $13.8M | 93.8% | |
| Voya Retirement Insurance and Annuity Company (Voya) BlackRock Russell Equity Index Fund | — | — | — | $1.8M | 12.0% | |
| Voya MyWayRetirement Index 2045 Fund | — | — | — | $1.5M | 10.0% | |
| Voya MyWayRetirement Index 2050 Fund | — | — | — | $1.3M | 8.5% | |
| Voya MyWayRetirement Large Cap Growth Fund | — | — | — | $1.2M | 8.0% | |
| Voya MyWayRetirement Index 2040 Fund | — | — | — | $1.1M | 7.5% | |
| Voya MyWayRetirement Index 2060 Fund | — | — | — | $1.1M | 7.2% | |
| Voya MyWayRetirement Index 2055 Fund | — | — | — | $794K | 5.4% | |
| Voya BlackRock EAFE Equity Index Fund | — | — | — | $674K | 4.6% | |
| Voya BlackRock Russell 2000 Index Fund | — | — | — | $616K | 4.2% | |
| Voya MyWayRetirement Index 2035 Fund | — | — | — | $556K | 3.8% | |
| Voya Fixed account | — | — | — | $542K | 3.7% | |
| Voya MyWayRetirement Index 2030 Fund | — | — | — | $491K | 3.3% | |
| Voya MyWayRetirement Index Retirement Fund | — | — | — | $484K | 3.3% | |
| Voya BlackRock Mid Cap Equity Index Fund | — | — | — | $385K | 2.6% | |
| Voya MyWayRetirement Large Cap Value Fund | — | — | — | $284K | 1.9% | |
| with various maturities - | — | — | — | $253K | 1.7% | |
| Voya MyWayRetirement Small Cap Growth Fund | — | — | — | $228K | 1.6% | |
| Voya MyWayRetirement Index 2065 Fund | — | — | — | $209K | 1.4% | |
| Voya MyWayRetirement Balanced Fund | — | — | — | $156K | 1.1% | |
| Voya MyWayRetirement Emerging Markets Fund | — | — | — | $155K | 1.1% | |
| Voya MyWayRetirement International Growth Fund | — | — | — | $144K | 1.0% | |
| Voya MyWayRetirement International Value Fund | — | — | — | $142K | 1.0% | |
| Voya BlackRock U.S. Debt Index Fund | — | — | — | $131K | 0.9% | |
| Voya MyWayRetirement Mid Cap Growth Fund | — | — | — | $110K | 0.7% | |
| Voya MyWayRetirement Mid Cap Value Fund | — | — | — | $83K | 0.6% | |
| Voya MyWayRetirement Real Estate Fund | — | — | — | $67K | 0.5% | |
| Voya BlackRock U.S. TIPS Index Fund | — | — | — | $58K | 0.4% | |
| Voya MyWayRetirement Multisector Bond Fund | — | — | — | $55K | 0.4% | |
| Voya MyWayRetirement Global Bond Fund | — | — | — | $38K | 0.3% | |
| Voya MyWayRetirement Core Bond Fund | — | — | — | $37K | 0.3% | |
| Voya MyWayRetirement Commodities Fund | — | — | — | $28K | 0.2% | |
| Voya MyWayRetirement Small Cap Value Fund | — | — | — | $19K | 0.1% | |
| Voya Government Money Market Fund | — | — | — | $12K | <0.1% |
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