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Original filing (PDF)20250923135449NAL0007400496001
REGENT BANK
Form 5500
FILING_RECEIVED
REGENT BANK 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
211
Accounts w/ balance
242
Plan assets (EOY)
$16.3M
Net assets (EOY)
$16.3M
How this plan invests
This plan
15 pooled trusts
Schedule D
43 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
- 52 bps in Schedule C fees — 78% 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 REGENT BANK.
Plan sponsor
Name
REGENT BANK
EIN
73-0376185
Address
7136 S YALE AVENUE · TULSA, OK · 741366315
Phone
(918) 273-4128
Industry
Commercial Banking· Finance & Insurancesee 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
2025-09-23
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
STEVE BOWMAN
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $84K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MML INVESTORS SERVICES LLC | 04-2746212 | — | OTHER SERVICES | $0 | — |
| MML INSURANCE AGENCY LLC | 04-3109325 | — | OTHER SERVICES | $0 | — |
Investments
43 direct securities · 15 pooled funds· $27.6M(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
$16.3M
43 holdings
Common Collective Trust
$11.2M
13 holdings
Pooled Separate Account
$10K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $2.3M | 14.3% | |
| Principal Global Investors Trust Co | — | — | $0 | $2.3M | 14.3% | |
| Principal Global Investors Trust Co | — | — | $0 | $1.9M | 11.9% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $1.9M | 11.9% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $1.5M | 9.5% | |
| Principal Global Investors Trust Co | — | — | $0 | $1.5M | 9.5% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.1M | 6.8% | |
| Principal Global Investors Trust Co | — | — | $0 | $1.1M | 6.8% | |
| Principal Global Investors Trust Co | — | — | $0 | $1.1M | 6.7% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $1.1M | 6.7% | |
| Principal Global Investors Trust Co | — | — | $0 | $1.0M | 6.4% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $1.0M | 6.4% | |
| Principal Life Insurance Company | — | — | $0 | $811K | 5.0% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $811K | 5.0% | |
| Vanguard Group | — | — | $0 | $807K | 4.9% | |
| MFS Investment Management | — | — | $0 | $690K | 4.2% | |
| Vanguard Group | — | — | $0 | $636K | 3.9% | |
| Principal Global Investors Trust Co | — | — | $0 | $492K | 3.0% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $492K | 3.0% | |
| Dimensional Fund Advisors | — | — | $0 | $418K | 2.6% | |
| Participant Loans | — | — | $0 | $332K | 2.0% | |
| Vanguard Group | — | — | $0 | $318K | 1.9% | |
| Loomis Sayles | — | — | $0 | $309K | 1.9% | |
| Vanguard Group | — | — | $0 | $298K | 1.8% | |
| Vanguard Group | — | — | $0 | $277K | 1.7% | |
| Principal Global Investors Trust Co | — | — | $0 | $252K | 1.5% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $252K | 1.5% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $248K | 1.5% | |
| Principal Global Investors Trust Co | — | — | $0 | $248K | 1.5% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $168K | 1.0% | |
| PIMCO Funds | — | — | $0 | $168K | 1.0% | |
| Principal Global Investors Trust Co | — | — | $0 | $163K | 1.0% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $163K | 1.0% | |
| Dimensional Fund Advisors | — | — | $0 | $140K | 0.9% | |
| Principal Life Insurance Company | — | — | $0 | $132K | 0.8% | |
| Fidelity Investments | — | — | $0 | $113K | 0.7% | |
| JP Morgan Funds | — | — | $0 | $107K | 0.7% | |
| The American Funds | — | — | $0 | $81K | 0.5% | |
| Vanguard Group | — | — | $0 | $74K | 0.5% | |
| Vanguard Group | — | — | $0 | $67K | 0.4% | |
| Principal Global Investors Trust Co | — | — | $0 | $56K | 0.3% | |
| JP Morgan Funds | — | — | $0 | $41K | 0.3% | |
| Principal Global Investors Trust Co | — | — | $0 | $34K | 0.2% | |
| PRIN LIFETIME HYB 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $34K | 0.2% | |
| The American Funds | — | — | $0 | $29K | 0.2% | |
| The American Funds | — | — | $0 | $28K | 0.2% | |
| Vanguard Group | — | — | $0 | $25K | 0.2% | |
| T. Rowe Price Funds | — | — | $0 | $20K | 0.1% | |
| Alliance Bernstein | — | — | $0 | $17K | 0.1% | |
| AMG Funds | — | — | $0 | $17K | 0.1% | |
| BlackRock | — | — | $0 | $15K | <0.1% | |
| PRINCIPAL OVERSEAS SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 116 | Pooled Separate Account | — | — | $10K | <0.1% | |
| Principal Global Investors Trust Co | — | — | $0 | $10K | <0.1% | |
| Vanguard Group | — | — | $0 | $10K | <0.1% | |
| The American Funds | — | — | $0 | $9K | <0.1% | |
| The American Funds | — | — | $0 | $2K | <0.1% | |
| T. Rowe Price Funds | — | — | $0 | $1K | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $0 | <0.1% |
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