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Original filing (PDF)20251006092310NAL0001754499001
F & M BANCSHARES, INC.
Form 5500
FILING_RECEIVED
F & M BANCSHARES, INC. SAVINGS INCENTIVE PLAN
401(k) retirement plan
Signals · 1
~102 bps in Sched C fees
Active participants
96
Accounts w/ balance
108
Plan assets (EOY)
$12.9M
Net assets (EOY)
$12.9M
How this plan invests
This plan
41 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 102 bps in Schedule C fees — 251% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for F & M BANCSHARES, INC..
Plan sponsor
Name
F & M BANCSHARES, INC.
EIN
73-0956567
Address
13900 N. PORTLAND, SUITE 130 · OKLAHOMA CITY, OK · 73134
Phone
(405) 373-1900
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
2025-10-06
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2Q · S-corporation ESOP
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FINLEY & COOK P.L.L.C
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4177100 | COLUMBUS, OH | RECORDKEEPER | $2K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MEEDER INVESTMENT MANAGEMENT | 31-1332744 | DUBLIN, OH | INVESTMENT ADVISOR | $83K | — |
| OSAIC WEALTH INC | 93-0987232 | JERSEY CITY, NJ | INVESTMENT ADVISOR | $21K | — |
| LEAFHOUSE FINANCIAL ADVISORS LLC | 26-4311657 | AUSTIN, TX | INVESTMENT ADVISOR | $1K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION SOLUTIONS, INC | 73-1521434 | OKLAHOMA CITY, OK | TPA | $24K | — |
Investments
40 direct securities· $12.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Growth Index Fund | — | — | — | $1.9M | 15.1% | |
| Vanguard Value Index Fund | — | — | — | $1.9M | 14.9% | |
| Vanguard Developed Markets Index Fund | — | — | — | $1.5M | 11.3% | |
| Nationwide Fixed Select Contract | — | — | — | $1.0M | 7.9% | |
| Fidelity Large Cap Growth Index Fund | — | — | — | $877K | 6.8% | |
| Vanguard Small Cap Value Index Fund | — | — | — | $530K | 4.1% | |
| Fidelity Total Market Index Fund | — | — | — | $517K | 4.0% | |
| Fidelity U.S. Bond Index Fund | — | — | — | $402K | 3.1% | |
| Vanguard Total Bond Market Index Fund | — | — | — | $390K | 3.0% | |
| Nuveen Lifecycle Index 2035 Fund | — | — | — | $381K | 3.0% | |
| Vanguard Small-Cap Growth Index Fund | — | — | — | $375K | 2.9% | |
| Vanguard Intermediate-Term Bond Index Fund | — | — | — | $371K | 2.9% | |
| iShares U.S. Aggregate Bond Index Fund | — | — | — | $354K | 2.7% | |
| Vanguard Emerging Markets Stock Index Fund | — | — | — | $318K | 2.5% | |
| Fidelity Mid Cap Growth Index Fund | — | — | — | $311K | 2.4% | |
| Fidelity Global ex U.S. Index Fund | — | — | — | $267K | 2.1% | |
| Fidelity Large Cap Value Index Fund | — | — | — | $171K | 1.3% | |
| Nuveen Lifecycle Index 2040 Fund | — | — | — | $155K | 1.2% | |
| Fidelity Small Cap Value Index Fund | — | — | — | $153K | 1.2% | |
| Nuveen Lifecycle Index Retirement Income Fund | — | — | — | $139K | 1.1% | |
| Fidelity Mid Cap Index Fund | — | — | — | $98K | 0.8% | |
| Fidelity Mid Cap Value Index Fund | — | — | — | $98K | 0.8% | |
| Vanguard High-Yield Corporate Fund | — | — | — | $95K | 0.7% | |
| Nuveen Lifecycle Index 2015 Fund | — | — | — | $82K | 0.6% | |
| Nuveen Lifecycle Index 2050 Fund | — | — | — | $81K | 0.6% | |
| Fidelity Small Cap Growth Index Fund | — | — | — | $81K | 0.6% | |
| Nuveen Lifecycle Index 2045 Fund | — | — | — | $71K | 0.6% | |
| Western Asset Short Duration High Income Fund | — | — | — | $47K | 0.4% | |
| Columbia Emerging Markets Bond Fund | — | — | — | $44K | 0.3% | |
| Fidelity Advisor Energy Index Fund | — | — | — | $37K | 0.3% | |
| Nuveen Lifecycle Index 2060 Fund | — | — | — | $29K | 0.2% | |
| Nuveen Lifecycle Index 2055 Fund | — | — | — | $27K | 0.2% | |
| Nuveen Lifecycle Index 2065 Fund | — | — | — | $9K | <0.1% | |
| Fidelity Small Cap Index Fund | — | — | — | $9K | <0.1% | |
| Federated Hermes Government Obligations Fund; Premier | — | — | — | $3K | <0.1% | |
| Federated Emerging Markets Index Fund | — | — | — | $944 | <0.1% | |
| Goldman Sachs Large Cap Growth Insights Fund | — | — | — | $630 | <0.1% | |
| Vanguard Real Estate Index Fund | — | — | — | $75 | <0.1% | |
| Vanguard Short-Term Bond Index Fund | — | — | — | $59 | <0.1% | |
| Nuveen Lifecycle Index 2010 Fund | — | — | — | $44 | <0.1% |