How big is Central Bank's plan?

Central Bank's plan reported $63.7M in assets and 330 participants for 2024.

Original filing (PDF)20251009124813NAL0006599041001

Central Bank

Name: Central Bank — Central Bank 401(k) Profit Sharing, Form 5500 (2024)
Creator: Central Bank
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Central Bank 401(k) Profit Sharing Plan

401(k) retirement plan · Central Bank's Central Bank 401(k) Profit Sharing Plan held $63.7M in plan assets for 330 participants in 2024.

Signals · 3

Non-clean audit opinion52% in single holding58% employer stock

Active participants

330

Accounts w/ balance

361

Plan assets (EOY)

$63.7M

Net assets (EOY)

$63.7M

People on this filing

ALAN Blackham signed Central Bank's 2024 Form 5500 as plan administrator.

ALAN Blackham — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Central Bank's EIN is 87-0271990.

EIN 87-0271990

Plan number 001

Plan year 2024

ACK ID 20251009124813NAL0006599041001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Central Bank from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Central Bank's plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for CENTRAL BANK.

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How this plan invests

This plan

46 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Auditor issued a qualified / adverse / disclaimer opinion.
51% of assets in employer securities (concentration risk).

Helping the score

Below-peer total plan cost (87th percentile).

Plan sponsor

Name

CENTRAL BANK

EIN

all filings

Address

75 NORTH UNIVERSITY AVENUE · PROVO, UT · 84601

Phone

(801) 375-1000

Industry

Commercial Banking· Finance & Insurance

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

2025-10-09

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2H · Partial 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)

Service providers (Schedule C)

1 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PCS RETIREMENT	23-3038464	—	CONTRACT ADMIN	$11K	—

Investments

46 direct securities· $63.0M(99% of reported assets)

Common Stocks

$36.7M

11 holdings

Mutual Funds

$24.3M

30 holdings

Cash / Money Market

$1.3M

2 holdings

Common Collective Trusts

$383K

2 holdings

Bonds / Notes

$323K

1 holding

					% of plan
Central Bank Common Stock Nontransferable Various	Common Stocks	—	—	$32.7M	51.4%
AdvisorTrust, Inc. DFA Global Equity	Mutual Funds	—	—	$4.1M	6.5%
AdvisorTrust, Inc. Vanguard Target Retirement 2030	Mutual Funds	—	—	$2.1M	3.2%
AdvisorTrust, Inc. Vanguard Healthcare	Mutual Funds	—	—	$1.9M	2.9%
AdvisorTrust, Inc. Fidelity Cash Reserves	Mutual Funds	—	—	$1.7M	2.7%
AdvisorTrust, Inc. Dodge & Cox Stock Fund	Mutual Funds	—	—	$1.6M	2.6%
AdvisorTrust, Inc. Vanguard Target Retirement 2045	Mutual Funds	—	—	$1.3M	2.0%
AdvisorTrust, Inc. Vanguard Target Retirement 2050	Mutual Funds	—	—	$1.3M	2.0%
AdvisorTrust, Inc. Vanguard Target Retirement 2040	Mutual Funds	—	—	$1.1M	1.7%
AdvisorTrust, Inc. Vanguard Target Retirement 2035	Mutual Funds	—	—	$1.1M	1.7%
AdvisorTrust, Inc. T. Rowe Price Growth Stock	Common Stocks	—	—	$1.0M	1.6%
AdvisorTrust, Inc. Vanguard Target Retirement 2055	Mutual Funds	—	—	$988K	1.6%
AdvisorTrust, Inc. Vanguard Lifestrategy Growth	Mutual Funds	—	—	$971K	1.5%
AdvisorTrust, Inc. Vanguard Lifestrategy Moderate Growth	Mutual Funds	—	—	$884K	1.4%
AdvisorTrust, Inc. Central Bank Money Market	Cash / Money Market	—	—	$870K	1.4%
AdvisorTrust, Inc. Vanguard Target Retirement 2060	Mutual Funds	—	—	$722K	1.1%
AdvisorTrust, Inc. Vanguard Lifestrategy Income	Mutual Funds	—	—	$709K	1.1%
AdvisorTrust, Inc. DFA Large Cap International Portfolio Inst	Mutual Funds	—	—	$623K	1.0%
AdvisorTrust, Inc. Sentinel Small Company A	Common Stocks	—	—	$623K	1.0%
AdvisorTrust, Inc. Vanguard Target Retirement 2025	Mutual Funds	—	—	$605K	0.9%
AdvisorTrust, Inc. Columbis Acorn Z ** - * AdvisorTrust, Inc. Amana Growth Investor	Common Stocks	—	—	$528K	0.8%
AdvisorTrust, Inc. BlackRock Equity Dividend A	Common Stocks	—	—	$525K	0.8%
AdvisorTrust, Inc. Fidelity Disciplined Equity	Mutual Funds	—	—	$483K	0.8%
AdvisorTrust, Inc. Wasatch Small Cap	Common Stocks	—	—	$448K	0.7%
Central Bank Central Bank Money Market Various	Cash / Money Market	—	—	$424K	0.7%
AdvisorTrust, Inc. Janus/Perkins Small Cap Value T	Mutual Funds	—	—	$391K	0.6%
Participant Loan Interest Rate 4.25%-6.00%	Bonds / Notes	—	—	$323K	0.5%
AdvisorTrust, Inc. Fidelity Puritan Fund	Mutual Funds	—	—	$305K	0.5%
AdvisorTrust, Inc. DFA US Large Company	Mutual Funds	—	—	$293K	0.5%
AdvisorTrust, Inc. Oakmark Equity & Income	Common Stocks	—	—	$281K	0.4%
AdvisorTrust, Inc. Virtus Real Estate Securities A	Common Stocks	—	—	$246K	0.4%
AdvisorTrust, Inc. Vanguard Mid-Cap Index Fund	Common Collective Trusts	—	—	$209K	0.3%
AdvisorTrust, Inc. Vanguard Intermediate Term Corporate- Adm	Mutual Funds	—	—	$192K	0.3%
AdvisorTrust, Inc. Goldman Sachs Mid Cap Value A	Common Stocks	—	—	$187K	0.3%
AdvisorTrust, Inc. Vanguard Target Retirement 2065	Mutual Funds	—	—	$186K	0.3%
AdvisorTrust, Inc. Vanguard High-Yield Corporate Adm	Mutual Funds	—	—	$176K	0.3%
AdvisorTrust, Inc. Vanguard Mid-Cap Value Index Fund	Common Collective Trusts	—	—	$174K	0.3%
AdvisorTrust, Inc. Vanguard Target Retirement Income	Mutual Funds	—	—	$155K	0.2%
AdvisorTrust, Inc. DFA Global Allocation	Mutual Funds	—	—	$125K	0.2%
AdvisorTrust, Inc. Vanguard Inf Protected Sec	Mutual Funds	—	—	$100K	0.2%
AdvisorTrust, Inc. Vanguard Short-Term Treasury	Mutual Funds	—	—	$94K	0.1%
AdvisorTrust, Inc. Vanguard Lifestrategy Conservative Growth	Mutual Funds	—	—	$91K	0.1%
AdvisorTrust, Inc. Vanguard Short-Term Investment	Mutual Funds	—	—	$76K	0.1%
AdvisorTrust, Inc. Goldman Sachs High Yield A	Common Stocks	—	—	$44K	<0.1%
AdvisorTrust, Inc. Federated Income Trust Inst. Shares	Common Stocks	—	—	$38K	<0.1%
AdvisorTrust, Inc. Vanguard Target Retirement 2020	Mutual Funds	—	—	$31K	<0.1%