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Original filing (PDF)20251014132806NAL0001419683001
SPIRIT BANKCORP, INC.
Form 5500
FILING_RECEIVED
SPIRIT BANKCORP, INC. 401(K) PLAN AND TRUST
401(k) retirement plan
Signals · 2
25% in single holding7 service providers
Active participants
124
Accounts w/ balance
226
Plan assets (EOY)
$13.7M
Net assets (EOY)
$13.7M
How this plan invests
This plan
64 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
87
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "NUVEEN LIFECYCLE INDEX 2035 FUND - CL R6 POOLED SEPARATE ACCOUNT" is 25% of plan.
Helping the score
- Below-peer total fees (20 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPIRIT BANKCORP, INC..
Plan sponsor
Name
SPIRIT BANKCORP, INC.
EIN
73-1131847
Address
1800 SOUTH BALTIMORE · TULSA, OK · 74119
Phone
(918) 295-7262
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
2025-10-14
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
EIDE BAILLY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsRecordkeeper
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | TRUST RECORDKEEPER | $15K | — |
| IRON FIDUCIARY | 99-9552241 | — | TRUST RECORDKEEPER | $6K | — |
| NATIONWIDE | — | COLUMBUS, OH | TRUST RECORDKEEPER | $3K | — |
| PROACCOUNT | 73-0988442 | COLUMBUS, OH | TRUST RECORDKEEPER | $1K | — |
| NATIONWIDE LIFE INSURANCE COMPANY | 31-4156830 | COLUMBUS, OH | TRUST RECORDKEEPER | $1K | — |
| NATIONWIDE RETIREMENT PLANS | — | COLUMBUS, OH | TRUST RECORDKEEPER | $411 | — |
| CETERA ADVISOR NETWORKS LLC | — | EL SEGUNDO, CA | TRUST RECORDKEEPER | $0 | — |
Investments
63 direct securities· $13.2M(97% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| NUVEEN LIFECYCLE INDEX 2035 FUND - CL R6 POOLED SEPARATE ACCOUNT | — | — | — | $3.4M | 24.6% | |
| NUVEEN LIFECYCLE INDEX 2040 FUND - CLASS POOLED SEPARATE ACCOUNT 670 NUVEEN LIFECYCLE INDEX 2045 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $1.6M | 11.9% | |
| NUVEEN LIFECYCLE INDEX 2025 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $1.6M | 11.6% | |
| PUTNAM LARGE CAP GROWTH FUND - CLASS Y POOLED SEPARATE ACCOUNT | — | — | — | $1.0M | 7.5% | |
| FID 500 INDX POOLED SEPARATE ACCOUNT | — | — | — | $1.0M | 7.4% | |
| NUVEEN LIFECYCLE INDEX 2055 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $515K | 3.8% | |
| VNGRD TTL STMKT INDX FD AS POOLED SEPARATE ACCOUNT | — | — | — | $503K | 3.7% | |
| NW FIXED SELECT OPTION UNALLOCATED INSURANCE CONTRACTS | — | — | — | $493K | 3.6% | |
| STATE STREET BALANCED INDEX FUND K POOLED SEPARATE ACCOUNT | — | — | — | $372K | 2.7% | |
| NUVEEN LIFECYCLE INDEX 2030 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $342K | 2.5% | |
| VIC SYC ESTBLSHD VAL I POOLED SEPARATE ACCOUNT | — | — | — | $302K | 2.2% | |
| NW GENEVA SMCAPGR INST SVC POOLED SEPARATE ACCOUNT | — | — | — | $274K | 2.0% | |
| DFA INTL LGCAP GR POOLED SEPARATE ACCOUNT | — | — | — | $251K | 1.8% | |
| NUVEEN LIFECYCLE INDEX RETIREMENT INCOME POOLED SEPARATE ACCOUNT | — | — | — | $240K | 1.8% | |
| ARTISAN INTL VAL INST POOLED SEPARATE ACCOUNT 39 BAIRD COR PLS BD INST POOLED SEPARATE ACCOUNT | — | — | — | $184K | 1.3% | |
| PARTICIPANT LOANS LOW-HIGH INTEREST RATE 5.25% - 10.50% | — | — | — | $163K | 1.2% | |
| VNGRD WNDSR ADML POOLED SEPARATE ACCOUNT | — | — | — | $150K | 1.1% | |
| VNGRD WLSLY INC ADML POOLED SEPARATE ACCOUNT | — | — | — | $107K | 0.8% | |
| BLKRK STRAT INC OPPR I POOLED SEPARATE ACCOUNT | — | — | — | $99K | 0.7% | |
| PRNCPL MDCAP R6 POOLED SEPARATE ACCOUNT | — | — | — | $59K | 0.4% | |
| NUVEEN LIFECYCLE INDEX 2010 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $51K | 0.4% | |
| NUVEEN LIFECYCLE INDEX 2065 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $45K | 0.3% | |
| AMFDS NEW WLD R6 POOLED SEPARATE ACCOUNT | — | — | — | $37K | 0.3% | |
| NUVEEN LIFECYCLE INDEX 2050 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $24K | 0.2% | |
| DODGECOX INTL STK CLASS I POOLED SEPARATE ACCOUNT | — | — | — | $21K | 0.2% | |
| GDMNSCS GQGPTNRINTLOPPR R6 POOLED SEPARATE ACCOUNT | — | — | — | $21K | 0.2% | |
| FID INFL PRTCT BD INDX POOLED SEPARATE ACCOUNT 15 FID INTL INDX POOLED SEPARATE ACCOUNT | — | — | — | $21K | 0.2% | |
| NW LOOMIS ALLCAP GR R6 POOLED SEPARATE ACCOUNT | — | — | — | $19K | 0.1% | |
| BRWNADV SUSTNBL GR INST POOLED SEPARATE ACCOUNT | — | — | — | $19K | 0.1% | |
| CLVRT INTL EQ I POOLED SEPARATE ACCOUNT 538 AVNTS US LGCAP VAL INST POOLED SEPARATE ACCOUNT | — | — | — | $19K | 0.1% | |
| FNKLN DYNATECH ADV POOLED SEPARATE ACCOUNT | — | — | — | $18K | 0.1% | |
| JPM LGCAP GR R6 POOLED SEPARATE ACCOUNT | — | — | — | $17K | 0.1% | |
| AB GLBL BD I POOLED SEPARATE ACCOUNT 307 AMFDS GR INC R6 POOLED SEPARATE ACCOUNT | — | — | — | $16K | 0.1% | |
| JPM EQ INC R5 POOLED SEPARATE ACCOUNT | — | — | — | $16K | 0.1% | |
| BLKRK ISRSSLL MDCAPINDX K POOLED SEPARATE ACCOUNT | — | — | — | $15K | 0.1% | |
| AVNTS EMRG MKT EQ INST POOLED SEPARATE ACCOUNT | — | — | — | $14K | 0.1% | |
| PGIM TTL RTN BD R6 POOLED SEPARATE ACCOUNT | — | — | — | $14K | 0.1% | |
| FID US BD INDX POOLED SEPARATE ACCOUNT | — | — | — | $13K | <0.1% | |
| MFS MDCAP GR R6 POOLED SEPARATE ACCOUNT | — | — | — | $10K | <0.1% | |
| DIAMOND HILL MDCAP I POOLED SEPARATE ACCOUNT | — | — | — | $10K | <0.1% | |
| PRNCPL GLBL REALEST R6 POOLED SEPARATE ACCOUNT | — | — | — | $10K | <0.1% | |
| NUVEEN LIFECYCLE INDEX 2060 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $9K | <0.1% | |
| PIMCO INTL BDUSDLRHDGINST POOLED SEPARATE ACCOUNT 17 PIMCO REAL RTN INST POOLED SEPARATE ACCOUNT | — | — | — | $8K | <0.1% | |
| BLACKROCK HIGH YIELD PORTFOLIO - CLASS K POOLED SEPARATE ACCOUNT | — | — | — | $8K | <0.1% | |
| LEGAL & GENERAL COMMODITY STRAT FD INSTL POOLED SEPARATE ACCOUNT | — | — | — | $8K | <0.1% | |
| VNGRD GNMA ADML POOLED SEPARATE ACCOUNT 15 VNGRD TTL INTL BD IDX ADML POOLED SEPARATE ACCOUNT | — | — | — | $7K | <0.1% | |
| NUVEEN LIFECYCLE INDEX 2015 FUND - CL R6 POOLED SEPARATE ACCOUNT 17 NUVEEN LIFECYCLE INDEX 2020 FUND - CLASS POOLED SEPARATE ACCOUNT | — | — | — | $6K | <0.1% | |
| IMPAX SUSTNBL ALLOC INST POOLED SEPARATE ACCOUNT | — | — | — | $6K | <0.1% | |
| VNGRD EXPLR ADML POOLED SEPARATE ACCOUNT | — | — | — | $5K | <0.1% | |
| AVNTS US SMCAP VAL INST POOLED SEPARATE ACCOUNT | — | — | — | $5K | <0.1% | |
| BLKRK 80/20 TRGTALLOC INST POOLED SEPARATE ACCOUNT | — | — | — | $5K | <0.1% | |
| MFS COR EQ R4 POOLED SEPARATE ACCOUNT | — | — | — | $5K | <0.1% | |
| MFS NEW DISC R6 POOLED SEPARATE ACCOUNT | — | — | — | $4K | <0.1% | |
| MFS MDCAP VAL R6 POOLED SEPARATE ACCOUNT | — | — | — | $4K | <0.1% | |
| BLKRK HLTH SCNC OPPR INST POOLED SEPARATE ACCOUNT | — | — | — | $4K | <0.1% | |
| AB GLBL BD Z POOLED SEPARATE ACCOUNT | — | — | — | $4K | <0.1% | |
| BLKRK TTL RTN K POOLED SEPARATE ACCOUNT | — | — | — | $3K | <0.1% | |
| MS INSIGHT I POOLED SEPARATE ACCOUNT | — | — | — | $3K | <0.1% | |
| FED HRMS INST HIYLDBD INST POOLED SEPARATE ACCOUNT | — | — | — | $3K | <0.1% | |
| LRDABT GR LDRS R5 POOLED SEPARATE ACCOUNT | — | — | — | $3K | <0.1% | |
| COHENSTRS REALEST SEC INST POOLED SEPARATE ACCOUNT 15 DFA EMRG MKTS CORE EQ 2 PORTFOLIO - INST POOLED SEPARATE ACCOUNT | — | — | — | $2K | <0.1% | |
| VNGRD TTL INTLSTKINDX ADML POOLED SEPARATE ACCOUNT | — | — | — | $2K | <0.1% | |
| PIMCOCOMDYREALRTNSTRATINST POOLED SEPARATE ACCOUNT | — | — | — | $1K | <0.1% |