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Original filing (PDF)20251014155842NAL0006774034001
REGIONS FINANCIAL CORPORATION
Form 5500
FILING_RECEIVED
REGIONS FINANCIAL CORPORATION RETIREMENT PLAN FOR ASSOCIATES
Defined-benefit pension plan
Signals · 3
41% in single holdingNo recordkeeper disclosed12 service providers
Active participants
2,008
Accounts w/ balance
—
Plan assets (EOY)
$708.1M
Net assets (EOY)
$708.1M
How this plan invests
This plan
7 pooled trusts
Schedule D
4 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
79
Total plan cost
65
Vendor stack
68
Participation health
100
Knocking points off
- Top holding "[DFE: MSCI US EQUITY INDEX FUND B (extraction pending)]" is 41% of plan.
- 22 bps in Schedule C fees — 268% above peer band of 6 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (12 disclosed providers, 5 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for REGIONS FINANCIAL CORPORATION.
Plan sponsor
Name
REGIONS FINANCIAL CORPORATION
EIN
63-0589368
Address
1900 5TH AVENUE NORTH · MAIL CODE ALBH11805B · BIRMINGHAM, AL · 35203
Phone
(877) 562-8383
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
013
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WARREN AVERETT, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
12 rowsCustodian
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WELLINGTON | 04-2755549 | — | CUSTODIAL | $199K | — |
| ATLANTA CAPITAL | 58-2236910 | — | CUSTODIAL | $25K | — |
Advisor / Consultant
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWTON INVESTMENT MANAGEMENT | 13-2614959 | — | INVESTMENT MANAGER | $281K | — |
| LEGAL & GENERAL INVESTMENT MANAGEME | 20-8058531 | — | INVESTMENT ADVISOR | $203K | — |
| CORNERSTONE INVESTMENT PARTNERS, LL | 58-2620541 | — | INVESTMENT ADVISOR | $113K | — |
| DIMENSIONAL FUND ADVISORS LP | 30-0447847 | — | INVESTMENT ADVISOR | $38K | — |
Accountant / Auditor
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WARREN AVERETT | 45-4084437 | — | ACCOUNTING | $33K | — |
| ERNST & YOUNG | 34-6565596 | — | ACCOUNTING | $16K | — |
Actuary
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TOWERS WATSON | 23-1159360 | — | ACTUARY | $178K | — |
| MERCER HUMAN RESOURCES | 13-2834414 | — | ACTUARY | $103K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TELUS HEALTH | 52-1883918 | — | COMMUNICATION | $249K | — |
| CALLAN ASSOCIATES INC | 94-2192581 | — | CONSULTING | $124K | — |
Investments
7 pooled funds· $305.5M(43% 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
$305.5M
6 holdings
103-12 Investment Entity
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MSCI US EQUITY INDEX FUND B BLACKROCK INSTITUTIONAL TRUST CO NA · EIN 94-3334665 / PN 001 | Common Collective Trust | — | — | $125.9M | 17.8% | |
| WTC-CIF II LONG BOND PORTFOLIO WELLINGTON TRUST COMPANY NA · EIN 04-6913417 / PN 080 | Common Collective Trust | — | — | $106.4M | 15.0% | |
| INTERNATIONAL EQUITY COLLECTIVE INV HARDING LOEVNER · EIN 27-6075499 / PN 003 | Common Collective Trust | — | — | $36.6M | 5.2% | |
| BNY MELLON NEWTON GLOBAL REAL RETUR THE BANK OF NEW YORK MELLON · EIN 25-6078093 / PN 231 | Common Collective Trust | — | — | $36.6M | 5.2% | |
| CASTLEARK COLLECTIVE INVESTMENT SEI TRUST COMPANY · EIN 46-4239736 / PN 070 | Common Collective Trust | — | — | $0 | <0.1% | |
| THE SMALL CAP VALUE SUBTRUST DFA GROUP TRUST · EIN 23-6819730 / PN 005 | 103-12 Investment Entity | — | — | $0 | <0.1% | |
| INVESCO GLOBAL TARGETED RETURNS TR INVESCO TRUST COMPANY · EIN 20-2583973 / PN 173 | Common Collective Trust | — | — | $0 | <0.1% |