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Original filing (PDF)20251003165214NAL0003875602001
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Form 5500
FILING_RECEIVED
ZIONS BANCORPORATION, N.A. PAYSHELTER 401K AND EMPLOYEE STOCK OWNERSHIP PLAN
401(k) retirement plan
Signals · 1
19% employer stock
Active participants
10,518
Accounts w/ balance
12,987
Plan assets (EOY)
$1.9B
Net assets (EOY)
$1.9B
How this plan invests
This plan
15 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
88
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 19% of plan in employer / sponsor stock.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ZIONS BANCORPORATION, NATIONAL ASSOCIATION.
Plan sponsor
Name
ZIONS BANCORPORATION, NATIONAL ASSOCIATION
EIN
87-0189025
Address
ONE SOUTH MAIN STREET, SUITE 600 · SALT LAKE CITY, UT · 84133
Phone
(801) 844-7600
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
006
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-03
Pension benefit codes
3I · Requires investment in employer securities
2E · Profit-sharing
2F · ERISA section 404(c)
2H · Partial participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
ERNST & YOUNG LLP
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 | $528K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $300K | — |
Investments
16 direct securities · 15 pooled funds· $1.9B(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
$1.1B
16 holdings
Common Collective Trust
$881.6M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| INVESTMENTS Zions Bancorporation, N.A. common stock ZIONS BANCORPORATION, * N.A. COMMON STOCK (6,578,851 shares) $ | — | — | $254.2M | $357.8M | 19.0% | |
| FIDELITY INVESTMENTS 500 INDEX INSTITUTIONAL (1,115,206 shares) | — | — | $1.1M | $227.7M | 12.1% | |
| FID CONTRA POOL CL A FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 133 | Common Collective Trust | — | $4.1M | $186.0M | 9.9% | |
| VANGUARD TARGET 2040 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083974 / PN 001 | Common Collective Trust | — | $1.5M | $88.8M | 4.7% | |
| VANGUARD TARGET 2030 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083978 / PN 001 | Common Collective Trust | — | $1.5M | $78.2M | 4.1% | |
| VANGUARD TARGET 2045 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083972 / PN 001 | Common Collective Trust | — | $1.3M | $75.5M | 4.0% | |
| VANGUARD TARGET 2035 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083976 / PN 001 | Common Collective Trust | — | $1.3M | $69.6M | 3.7% | |
| VANGUARD TARGET 2050 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083970 / PN 001 | Common Collective Trust | — | $1.1M | $66.5M | 3.5% | |
| MIP II CL 2 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 025 | Common Collective Trust | — | — | $65.5M | 3.5% | |
| FIDELITY INVESTMENTS units) | — | — | — | $65.5M | 3.5% | |
| JH ENTERPRISE III GREAT GRAY TRUST COMPANY, LLC · EIN 38-7289853 / PN 001 | Common Collective Trust | — | $4.8M | $63.2M | 3.4% | |
| FIDELITY INVESTMENTS GOVT OBLIGATIONS MM (51,913,397 shares) | — | — | $51.9M | $51.9M | 2.8% | |
| FIAM CORE PLUS CL J FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 052 | Common Collective Trust | — | $2.2M | $49.9M | 2.6% | |
| VANGUARD MID CAP INDEX INSTITUTIONAL (675,427 shares) | — | — | $675K | $48.8M | 2.6% | |
| FIDELITY INVESTMENTS INTERNATIONAL INDEX (991,461 shares) | — | — | $991K | $47.1M | 2.5% | |
| VANGUARD TARGET 2025 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083980 / PN 001 | Common Collective Trust | — | $939K | $46.4M | 2.5% | |
| AMERICAN BEACON LG CAP VAL R6 (1,646,871 shares) | — | — | $1.6M | $43.3M | 2.3% | |
| FIDELITY INVESTMENTS BALANCED K (1,269,831 shares) | — | — | $1.3M | $37.5M | 2.0% | |
| VANGUARD SMALL CAP INDEX INSTITUTIONAL (278,064 shares) | — | — | $278K | $32.0M | 1.7% | |
| VANGUARD TARGET 2055 VANGUARD FIDUCIARY TRUST COMPANY · EIN 27-6715091 / PN 001 | Common Collective Trust | — | $369K | $30.4M | 1.6% | |
| VANGUARD TARGET 2020 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083982 / PN 001 | Common Collective Trust | — | $596K | $27.9M | 1.5% | |
| Registered investment companies Domestic VANGUARD SELECTED VALUE (1,026,120 shares) | — | — | $1.0M | $27.8M | 1.5% | |
| FIDELITY INVESTMENTS SMALL CAP GR K6 (1,489,221 shares) | — | — | $1.5M | $26.5M | 1.4% | |
| through December 2034 | — | — | — | $25.4M | 1.3% | |
| FIDELITY INVESTMENTS U.S. BOND INDEX (1,882,516 shares) | — | — | $1.9M | $19.2M | 1.0% | |
| VANGUARD TARGET 2060 VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-3799419 / PN 001 | Common Collective Trust | — | $273K | $17.8M | 0.9% | |
| ALLSPRING SPECIAL SMALL CAP VALUE IS (406,408 shares) | — | — | $406K | $16.4M | 0.9% | |
| International BLACKROCK EMERGING MKT K (597,086 shares) | — | — | $597K | $14.1M | 0.7% | |
| AMERICAN FUNDS EUROPACIFIC GROWTH R6 (190,526 shares) | — | — | $191K | $10.2M | 0.5% | |
| VANGUARD TARGET INC VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083967 / PN 001 | Common Collective Trust | — | $205K | $9.2M | 0.5% | |
| VANGUARD TARGET 2065 VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6194314 / PN 001 | Common Collective Trust | — | $164K | $6.6M | 0.3% |