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Form 5500 · Retirement plan · LAKELAND, GA

FMB BANCSHARES, INC.

The filing calls this plan FMB BANCSHARES, INC. RETIREMENT SAVINGS PLAN.

FMB BANCSHARES, INC. of LAKELAND, GA's retirement plan holds 1 insurance-company contract (annuities or guaranteed-interest accounts), disclosed on Schedule A of its Form 5500. These are investment and funding contracts, not group health or welfare coverage. No medical, dental or life benefit is reported on this filing.

Agent of record (Schedule A)
Contract year ends
Februaryas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-1577909 · plan 001 · plan year 2024, filed Oct 14, 2025

Participants at the start of the year
119
Contracts on file
1
Contract value
$2,341,053
Plan year end
February

Plan brief

Schedule A lists 1 insurance contract held by the plan — an annuity, a guaranteed-interest account or a similar funding vehicle, with TALCOTT RESOLUTION LIFE INSURANCE COMPANY.

The contracts held $2,341,053 at the end of the plan year, as reported on Schedule A.

$14,882 in agent commissions is disclosed across the contracts; OSAIC INSTITUTIONS INC is the agent of record.

A Schedule A is filed for a retirement plan when plan assets sit in an insurance company contract. It reports the contract's balances and any agent commission. It does not report a health, dental or life premium, and it does not give a group renewal date.

The contract year ended in February.

Schedule A insurance contracts

CarrierContract typeCoveredYear endsContract valueCommission
TALCOTT RESOLUTION LIFE INSURANCE COMPANYAnnuity / GIC94February$2,341,053$14,882

Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
FMB BANCSHARES, INC.
EIN 58-1577909
EMPOWER ANNUITY INSURANCE COMPANY
RECORDKEEPER · EIN 84-0467907
$500
paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

What the plan holds

Plan assets at year end
$8,417,422
Paid out in benefits
$194,418
Participants at the start of the year
119
Participants with account balances
95

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

Who runs the plan

Independent accountantEIN 58-2393291
DAME, WALKER, HARDEMAN & CO. LLC
Accountant's opinion (Schedule H, line 3a)
Unmodified

From Schedule H of this filing.

We can name the recordkeeper and the auditor for large plans, the ones that file a Schedule C or a Schedule H. Smaller plans do not have to report either, so for most 401(k) plans in the country that information is not public anywhere.

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