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Original filing (PDF)20250731111216NAL0013009698001
BOU BANCORP, INC.
Form 5500
FILING_RECEIVED
BOU BANCORP, INC. EMPLOYEE STOCK OWNERSHIP PLAN WITH 401(K) PROVISIONS
401(k) retirement plan
Signals · 3
45% in single holding45% employer stockNo recordkeeper disclosed
Active participants
385
Accounts w/ balance
517
Plan assets (EOY)
$75.1M
Net assets (EOY)
$75.1M
How this plan invests
This plan
13 pooled trusts
Schedule D
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
53
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "BOU Bancorp, Inc. BOU Bancorp, Inc. common stock" is 45% of plan.
- 45% of plan in employer / sponsor stock.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (1 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOU BANCORP, INC..
Plan sponsor
Name
BOU BANCORP, INC.
EIN
87-0661662
Address
2605 WASHINGTON BLVD · OGDEN, UT · 84401
Phone
(801) 409-5157
Industry
Commercial Banking· 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
2025-07-31
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2I · Stock bonus
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2Q · S-corporation ESOP
2S · Automatic enrollment
2T · Default investment account (QDIA)
3I · Requires investment in employer securities
Audit & trust (Schedule H)
Auditor
CARVER FLOREK AND JAMES CPA'S
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $9K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS INSURANCE S | 33-0232417 | — | OTHER SERVICES | $0 | — |
| CETERA ADVISOR NETWORKS LLC | 95-3845382 | — | OTHER SERVICES | $0 | — |
Investments
26 direct securities · 13 pooled funds· $75.2M(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
$58.5M
26 holdings
Common Collective Trust
$16.7M
13 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BOU Bancorp, Inc. BOU Bancorp, Inc. common stock | — | — | $8.3M | $33.7M | 44.8% | |
| Principal Funds Inc LargeCap Growth I R5 Fund+ | — | — | — | $3.9M | 5.2% | |
| PRIN LIFETIME HYB 2035 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $3.0M | 4.0% | |
| BOU Bancorp, Inc. Cash | — | — | $2.7M | $2.7M | 3.6% | |
| PRIN LIFETIME HYB 2045 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $2.5M | 3.4% | |
| Principal Funds Inc LargeCap S&P 500 Index R5 Fund | — | — | — | $2.4M | 3.1% | |
| PRIN LIFETIME HYB 2040 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $2.4M | 3.1% | |
| PRIN LIFETIME HYB 2030 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $2.2M | 3.0% | |
| Principal Life Insurance Company Principal Fixed Income Guaranteed Option | — | — | — | $1.9M | 2.5% | |
| Principal Funds Inc Capital Appreciation R5 Fund | — | — | — | $1.8M | 2.3% | |
| The American Funds Am Fds EuroPacific Grth R4 Fd | — | — | — | $1.7M | 2.3% | |
| PRIN LIFETIME HYB 2025 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $1.7M | 2.3% | |
| PRIN LIFETIME HYB 2050 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.6M | 2.2% | |
| Columbia Management Advisors Columbia US Treasury Idx A Fd | — | — | — | $1.6M | 2.2% | |
| Shelton Capital Management Shelton Nasdaq 100 Idx Dir Fund | — | — | — | $1.4M | 1.8% | |
| Invesco Dividend Income A Fund | — | — | — | $1.2M | 1.6% | |
| PRIN LIFETIME HYB 2020 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $1.2M | 1.6% | |
| PRIN LIFETIME HYB 2055 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $1.1M | 1.4% | |
| Principal Global Investors Core Fixed Inc R5 Fd+ | — | — | — | $751K | 1.0% | |
| Principal Funds Inc MidCap S&P 400 Index R5 Fund | — | — | — | $726K | 1.0% | |
| Jennison Dryden PGIM Jennison Md Cap Gth A Fd | — | — | — | $712K | 0.9% | |
| American Funds Service Company Am Fds New Persp R4 Fund | — | — | — | $618K | 0.8% | |
| Principal Funds Inc MidCap R5 Fund+ | — | — | — | $527K | 0.7% | |
| Principal Funds Inc SmallCap S&P 600 Index R5 Fund | — | — | — | $515K | 0.7% | |
| Lord Abbett Lord Abbett Dev Growth A Fund | — | — | — | $452K | 0.6% | |
| PRIN LIFETIME HYB 2060 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $450K | 0.6% | |
| from 2021 to 2028 - | — | — | — | $393K | 0.5% | |
| American Century Investments Am Cent Sm Cap Val A Fund | — | — | — | $374K | 0.5% | |
| Principal Funds Inc MidCap Value I R5 Fund+ | — | — | — | $369K | 0.5% | |
| Principal Funds Inc Real Estate Securities R5 Fund | — | — | — | $314K | 0.4% | |
| Principal Funds Inc High Yield Fund (A)+ | — | — | — | $299K | 0.4% | |
| PRIN LIFETIME HYB INC CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $199K | 0.3% | |
| PRIN LIFETIME HYB 2015 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $182K | 0.2% | |
| American Century Investments Am Cent Infla Adj Bond A Fd | — | — | — | $133K | 0.2% | |
| PRIN LIFETIME HYB 2065 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $124K | 0.2% | |
| Alliance Funds, Inc. AB Global Bond A Fund | — | — | — | $60K | <0.1% | |
| (E) | — | — | — | $60K | <0.1% | |
| (E) | — | — | — | $11K | <0.1% | |
| PRIN LIFETIME HYB 2070 CIT Z30 PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $11K | <0.1% |