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Original filing (PDF)20250926170818NAL0004116147001
GATEWAY FIRST BANK
Form 5500
FILING_RECEIVED
GATEWAY FIRST BANK 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
762
Accounts w/ balance
830
Plan assets (EOY)
$75.5M
Net assets (EOY)
$75.5M
How this plan invests
This plan
5 pooled trusts
Schedule D
37 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
- 24 bps in Schedule C fees — 52% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GATEWAY FIRST BANK.
Plan sponsor
Name
GATEWAY FIRST BANK
EIN
73-1577221
Address
244 S GATEWAY PLACE · JENKS, OK · 74037
Phone
(918) 858-8129
Industry
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
2025-09-26
Pension benefit codes
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
2E · Profit-sharing
2F · ERISA section 404(c)
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
PAYNE & SMITH, LLC CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $124K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | 47-1411118 | — | ADVISOR | $60K | — |
Investments
34 direct securities · 5 pooled funds· $81.5M(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
$73.1M
34 holdings
Common Collective Trust
$8.4M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Retirement 2040 Fund Mutual fund 294,182.016 | — | — | — | $9.0M | 11.9% | |
| T. Rowe Price Retirement 2030 Fund Mutual fund 347,852.329 | — | — | — | $8.9M | 11.8% | |
| T. Rowe Price Retirement 2045 Fund Mutual fund 276,564.744 | — | — | — | $6.2M | 8.2% | |
| T. Rowe Price Retirement 2035 Fund Mutual fund 283,938.733 | — | — | — | $6.0M | 7.9% | |
| Fidelity Total Market Index Fund Mutual fund 35,885.790 | — | — | — | $5.8M | 7.7% | |
| T. Rowe Price Retirement 2025 Fund Mutual fund 294,478.931 | — | — | — | $4.9M | 6.5% | |
| Wilmington Trust, N.A., Putnam Large Cap Value Fd Cl Y Bank collective trust 328,762.391 | — | — | — | $4.8M | 6.4% | |
| LRG CAP GRTH III R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $4.8M | 6.4% | |
| T. Rowe Price Retirement 2050 Fund Mutual fund 248,260.317 | — | — | — | $4.7M | 6.2% | |
| T. Rowe Price Retirement 2055 Fund Mutual fund 189,331.538 | — | — | — | $3.8M | 5.0% | |
| Fidelity Brokerage Link Self-directed brokerage accounts Various 3,097,180.630 | — | — | — | $3.1M | 4.1% | |
| various maturity dates through March 2033 | — | — | — | $2.1M | 2.8% | |
| T. Rowe Price Retirement 2020 Fund Mutual fund 89,708.754 | — | — | — | $1.7M | 2.2% | |
| Fidelity 500 Index Fund Mutual fund 7,311.844 | — | — | — | $1.5M | 2.0% | |
| MORLEY STABLE VALUE PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $1.5M | 1.9% | |
| T. Rowe Price Retirement 2060 Fund Mutual fund 86,820.895 | — | — | — | $1.4M | 1.9% | |
| Baird Core Plus Bond Fund Class Investor Mutual fund 122,160.531 | — | — | — | $1.2M | 1.6% | |
| Wilmington Trust, N.A., Putnam Large Cap Growth Fd Cl Y Bank collective trust 56,600.891 | — | — | — | $1.2M | 1.6% | |
| PUTN LARGE CP VAL R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $1.2M | 1.6% | |
| T. Rowe Price Dividend Growth Fund Mutual fund 14,300.643 | — | — | — | $1.1M | 1.5% | |
| American Century Small Cap Value Fund R6 Class Mutual fund 44,205.351 | — | — | — | $1.0M | 1.3% | |
| Fidelity international Index Fund Mutual fund 19,382.379 | — | — | — | $921K | 1.2% | |
| JPMorgan Mid Cap Growth Fund Class R6 Mutual fund 17,299.396 | — | — | — | $895K | 1.2% | |
| MID CAP VALUE R1 GREAT GRAY TRUST COMPANY · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $863K | 1.1% | |
| Vanguard Real Estate Index Fund Admiralhares Mutual fund 4,502.323 | — | — | — | $569K | 0.8% | |
| DFA U.S. Targeted Value Portfolio Institutional Class Mutual fund 15,375.928 | — | — | — | $528K | 0.7% | |
| T. Rowe Price Retirement 2015 Fund Mutual fund 37,969.468 | — | — | — | $477K | 0.6% | |
| DFA Emerging Markets Portfolio Institutional Clas Mutual fund 16,634.387 | — | — | — | $475K | 0.6% | |
| Vanguard Inflation-Protected Securities Fund Admiral Shares Mutual fund 17,090.766 | — | — | — | $385K | 0.5% | |
| Fidelity Mid Cap Index Fund Mutual fund 4,906.040 | — | — | — | $166K | 0.2% | |
| Fidelity Small Cap Index Fund Mutual fund 4,385.366 | — | — | — | $121K | 0.2% | |
| PGIM High Yield R6 Mutual fund 12,902.643 | — | — | — | $62K | <0.1% | |
| American Century Multi Sector Income R6 Mutual fund 4,284.849 | — | — | — | $38K | <0.1% | |
| T. Rowe Price Retirement 2010 Fund Mutual fund 2,360.786 | — | — | — | $36K | <0.1% | |
| T. Rowe Price Retirement 2065 Fund Mutual fund 2,362.786 | — | — | — | $30K | <0.1% | |
| American Funds Strategic Bond Fund R6 Mutual fund 2,818.540 | — | — | — | $25K | <0.1% | |
| T. Rowe Price Retirement 2005 Fund Mutual fund 1,866.587 | — | — | — | $22K | <0.1% | |
| INTL GROWTH II R1 GREAT GRAY TRUST COMPANY · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $14K | <0.1% | |
| Noninterest-bearing Cash Unallocated cash 1,220.330 | — | — | — | $1K | <0.1% |
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