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Original filing (PDF)20251014085855NAL0002452593001
WESTERN BANK
Form 5500
FILING_RECEIVED
CIRCLE I EMPLOYEE BENEFIT PLAN
401(k) retirement plan
Active participants
119
Accounts w/ balance
133
Plan assets (EOY)
$10.3M
Net assets (EOY)
$10.3M
How this plan invests
This plan
1 pooled trust
Schedule D
25 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
- 54 bps in Schedule C fees — 85% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WESTERN BANK.
Plan sponsor
Name
WESTERN BANK
EIN
74-0962510
Address
1617 BROADWAY · LUBBOCK, TX · 79401
Phone
(806) 798-9700
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
2A · Age/service weighted or new comparability
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
WHITLEY PENN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $31K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMERCE STREET INVESTMENT ADVISOR | — | DALLAS, TX | INVESTMENT ADVISOR | $24K | — |
Investments
24 direct securities · 1 pooled fund· $10.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$10.2M
24 holdings
Common Collective Trust
$49K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 | — | — | — | $1.9M | 18.6% | |
| Vanguard TREASURY MONEY MARKET INV | — | — | — | $1.5M | 14.3% | |
| Fidelity 500 INDEX | — | — | — | $971K | 9.5% | |
| American Funds AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 | — | — | — | $795K | 7.7% | |
| American Funds AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 | — | — | — | $775K | 7.5% | |
| Vanguard MID CAP INDEX FUND ADMIRAL - | — | — | — | $594K | 5.8% | |
| American Funds AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 | — | — | — | $574K | 5.6% | |
| Vanguard SMALL CAP INDEX ADM | — | — | — | $390K | 3.8% | |
| Vanguard INTERM-TERM BOND INDEX ADM | — | — | — | $388K | 3.8% | |
| Vanguard DEVELOPED MARKETS INDEX ADMIRAL | — | — | — | $384K | 3.7% | |
| American Funds AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 | — | — | — | $383K | 3.7% | |
| American Funds AMERICAN FUNDS 2010 TRGT DATE RETIRE R6 | — | — | — | $345K | 3.4% | |
| Vanguard HIGH DIVIDEND YIELD INDEX ADM | — | — | — | $223K | 2.2% | |
| Victory SHORT TERM BOND INSTITUTIONAL | — | — | — | $202K | 2.0% | |
| 9.50% with various due dates -0- | — | — | — | $190K | 1.9% | |
| American Funds AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 | — | — | — | $158K | 1.5% | |
| Dimensional Fund Advisors DFA EMERGING MARKETS I | — | — | — | $128K | 1.3% | |
| Brandywine Global BRANDYWINEGLOBAL CORPORATE CREDIT IS | — | — | — | $114K | 1.1% | |
| American Funds AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 | — | — | — | $53K | 0.5% | |
| COHEN AND STEERS U.S. REALTY CIT RS COHEN AND STEERS REALTY SHARES · EIN 47-1211722 / PN 003 | Common Collective Trust | — | — | $49K | 0.5% | |
| Franklin EMERGING MARKET DEBT OPPS | — | — | — | $44K | 0.4% | |
| American Funds AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 | — | — | — | $42K | 0.4% | |
| Vanguard SMALL CAP VALUE INDEX ADMIRAL | — | — | — | $40K | 0.4% | |
| Dimensional Fund Advisors DFA INTERNATIONAL SMALL CAP VALUE I | — | — | — | $39K | 0.4% | |
| American Funds AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 | — | — | — | $6K | <0.1% |
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