Original filing (PDF)20251211162625NAL0006395091001

FIRST FINANCIAL BANK

Name: FIRST FINANCIAL BANK — FIRST FINANCIAL BANK 401(K) PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP SAVINGS PLAN, Form 5500 (2024)
Creator: FIRST FINANCIAL BANK

Form 5500

FILING_RECEIVED

FIRST FINANCIAL BANK 401(K) PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP SAVINGS PLAN

401(k) retirement plan

Signals · 3

Late filing · 0.8 mo31% in single holding31% employer stock

Active participants

302

Accounts w/ balance

298

Plan assets (EOY)

$58.6M

Net assets (EOY)

$58.5M

How this plan invests

This plan

29 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

/ 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

Concentration risk

Total plan cost

Vendor stack

100

Participation health

100

Knocking points off

Filed 0.8 months past the 10.5-month grace window.
Top holding "First Financial Bank Common stock; 51,281 shares" is 31% of plan.
31% of plan in employer / sponsor stock.
21 bps in Schedule C fees — modestly above peer band of 16 bps.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST FINANCIAL BANK.

Plan sponsor

Name

FIRST FINANCIAL BANK

EIN

71-0056740

Address

300 E PEACH STREET · EL DORADO, AR · 71730

Phone

(870) 881-5270

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

2025-12-11

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2H · Partial participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2O · ESOP (non-leveraged)

2Q · S-corporation ESOP

2T · Default investment account (QDIA)

Audit & trust (Schedule H)

Auditor

FORVIS MAZARS, LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

4 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FUTUREPLAN BY ASCENSUS	82-3719843	—	RECORDKEEPER	$52K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
CLEARBROOK INVESTMENT	11-3290218	—	INVESTMENT ADVISOR	$13K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
FORV/S	44-0160260	—	AUDITOR	$30K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
MERCER CAPITAL	62-1154641	—	VALUATION	$27K	—

Investments

29 direct securities· $58.0M(99% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
First Financial Bank Common stock; 51,281 shares	—	—	$1.8M	$18.3M	31.2%
The Vanguard Group, Inc. Vanguard Federal Money Market; 8,982,355.840 shares	—	—	$9.0M	$9.0M	15.3%
The Vanguard Group, Inc. Vanguard Life Strategy Growth Fund; 148,380.496 shares	—	—	$4.5M	$6.6M	11.2%
The Vanguard Group, Inc. Vanguard Target Retirement 2025 Fund; 200,996.572 shares	—	—	—	$3.8M	6.4%
The Vanguard Group, Inc. Vanguard Target Retirement Income Inv; 230,606.788 shares	—	—	—	$3.0M	5.2%
The Vanguard Group, Inc. Vanguard Growth Index Admiral; 11,688.382 shares	—	—	—	$2.5M	4.2%
The Vanguard Group, Inc. Vanguard 500 Index Admiral; 4,513.039 shares	—	—	—	$2.4M	4.2%
The Vanguard Group, Inc. Vanguard Target Retirement 2030 Fund; 48,361.071 shares	—	—	—	$1.8M	3.1%
The Vanguard Group, Inc. Vanguard Target Retirement 2035 Fund; 59,628.069 shares	—	—	—	$1.4M	2.4%
The Vanguard Group, Inc. Vanguard Target Retirement 2040 Fund; 29,196.256 shares	—	—	—	$1.3M	2.2%
The Vanguard Group, Inc. Vanguard Target Retirement 2045 Fund; 42,127.533 shares	—	—	—	$1.2M	2.1%
The Vanguard Group, Inc. Vanguard Target Retirement 2020 Fund; 45,204.990 shares	—	—	—	$1.2M	2.0%
The Vanguard Group, Inc. Vanguard Value Index Admiral; 13,166.994 shares	—	—	—	$870K	1.5%
The Vanguard Group, Inc. sharesVanguard Mid Cap Index Admiral; 1,919.674 shares	—	—	—	$627K	1.1%
The Vanguard Group, Inc. Vanguard Small Cap Index Admiral; 5,006.844 shares	—	—	—	$577K	1.0%
The Vanguard Group, Inc. Vanguard Intermediate Term Bond Index Admiral; 53,998.665	—	—	—	$547K	0.9%
The Vanguard Group, Inc. Vanguard Total Stock Mkt Index Admiral; 3,480.854 shares	—	—	—	$491K	0.8%
The Vanguard Group, Inc. Vanguard Target Retirement 2050 Fund; 9,062.244 shares	—	—	—	$452K	0.8%
The Vanguard Group, Inc. Vanguard Mid-Cap Growth Index Inv; 3,192.570 shares	—	—	—	$349K	0.6%
Participants Notes receivable from participants (Interest rates 4.25 - 8.00%)	—	—	—	$313K	0.5%
The Vanguard Group, Inc. Vanguard ftSE All-world Ex-US Index Inv; 7,722.760 shares	—	—	—	$275K	0.5%
The Vanguard Group, Inc. Vanguard Real Estate Index Admiral; 1,783.386 shares	—	—	—	$225K	0.4%
The Vanguard Group, Inc. Vanguard Small Cap Growth Index Inv; 2,238.041 shares	—	—	—	$220K	0.4%
The Vanguard Group, Inc. Vanguard International Stock Index Admiral; 6,411.552 shares	—	—	—	$203K	0.3%
The Vanguard Group, Inc. Vanguard Target Retirement 2055 Fund; 2,947.304 shares	—	—	—	$164K	0.3%
The Vanguard Group, Inc. Vanguard Target Retirement 2060 Fund; 1,996.982 shares	—	—	—	$102K	0.2%
The Vanguard Group, Inc. Vanguard Mid-Cap Value Index Inv; 784.022 shares	—	—	—	$66K	0.1%
The Vanguard Group, Inc. Vanguard Small Cap Value Index Inv; 757.571 shares	—	—	—	$65K	0.1%
Eaton Vance Corp. Eaton Vance Floating Rate Fund A; 650.636 shares	—	—	—	$6K	<0.1%