Back to filter
Original filing (PDF)20250708144036NAL0011461730001
CROSS FINANCIAL CORPORATION
Form 5500
FILING_RECEIVED
CROSS RETIREMENT PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
1,147
Accounts w/ balance
1,114
Plan assets (EOY)
$138.9M
Net assets (EOY)
$138.9M
How this plan invests
This plan
1 pooled trust
Schedule D
31 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
85
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 15 bps in Schedule C fees — modestly above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CROSS FINANCIAL CORPORATION.
Plan sponsor
Name
CROSS FINANCIAL CORPORATION
EIN
01-0507032
Address
491 MAIN STREET · BANGOR, ME · 04401
Phone
(207) 947-7345
Industry
Insurance Agencies & Brokerages· 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
2025-07-08
Pension benefit codes
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)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
BDMP ASSURANCE, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $94K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $62K | — |
| FIDUCIENT ADVISORS LLC | 36-4001764 | — | CONSULTANT | $50K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
31 direct securities · 1 pooled fund· $140.2M(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
$138.9M
31 holdings
Common Collective Trust
$1.3M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Blue Chip Growth Fund Mutual Fund | — | — | — | $19.3M | 13.9% | |
| Fidelity Freedom 2030 Fund Lifecycle Fund | — | — | — | $14.6M | 10.5% | |
| Fidelity Freedom 2035 Fund Lifecycle Fund | — | — | — | $13.5M | 9.7% | |
| Fidelity 500 Index Mutual Fund | — | — | — | $12.0M | 8.6% | |
| Fidelity Contrafund K Mutual Fund | — | — | — | $9.6M | 6.9% | |
| Fidelity Freedom 2040 Fund Lifecycle Fund | — | — | — | $8.2M | 5.9% | |
| Fidelity Freedom 2025 Fund Lifecycle Fund | — | — | — | $6.7M | 4.8% | |
| Fidelity Freedom 2045 Fund Lifecycle Fund | — | — | — | $6.7M | 4.8% | |
| Fidelity US Bond Index Fund Mutual Fund | — | — | — | $5.0M | 3.6% | |
| Fidelity Government Money Market Money Market Fund | — | — | — | $5.0M | 3.6% | |
| MFS Value Fund Mutual Fund | — | — | — | $4.4M | 3.2% | |
| Fidelity Freedom 2050 Fund Lifecycle Fund | — | — | — | $3.4M | 2.5% | |
| Fidelity Total Bond Mutual Fund | — | — | — | $3.2M | 2.3% | |
| Fidelity Freedom 2020 Fund Lifecycle Fund | — | — | — | $3.2M | 2.3% | |
| Fidelity International Discovery Fund Mutual Fund | — | — | — | $3.1M | 2.3% | |
| Fidelity Freedom 2055 Fund Lifecycle Fund | — | — | — | $2.4M | 1.8% | |
| ClearBridge Mid Cap Growth Fund Mutual Fund | — | — | — | $2.4M | 1.7% | |
| Fidelity Total International Index Fund Mutual Fund | — | — | — | $2.3M | 1.6% | |
| Fidelity Small Capital Value Fund Mutual Fund | — | — | — | $2.0M | 1.4% | |
| Allspring Emerging Markets Equity Mutual Fund | — | — | — | $1.9M | 1.4% | |
| Fidelity Value Fund Mutual Fund | — | — | — | $1.4M | 1.0% | |
| Notes receivable from participants 4.25%-9.50%; mature 1/25-2/34 - | — | — | — | $1.3M | 1.0% | |
| Goldman Sachs Stable Value Collective Trust Mutual Fund | — | — | — | $1.3M | 0.9% | |
| GS STABLE VAL INST1 GOLDMAN SACHS TRUST COMPANY NA · EIN 13-4166989 / PN 025 | Common Collective Trust | — | — | $1.3M | 0.9% | |
| Franklin Small Cap Growth Fund Mutual Fund | — | — | — | $1.3M | 0.9% | |
| Fidelity Freedom 2060 Fund Lifecycle Fund | — | — | — | $1.0M | 0.7% | |
| Fidelity Extended Market Index Mutual Fund | — | — | — | $983K | 0.7% | |
| Fidelity Freedom 2015 Fund Lifecycle Fund | — | — | — | $622K | 0.4% | |
| Fidelity Freedom Income Fund Mutual Fund | — | — | — | $614K | 0.4% | |
| C&S Inst Realty Shs Mutual Fund | — | — | — | $446K | 0.3% | |
| Fidelity Freedom 2010 Fund Lifecycle Fund | — | — | — | $441K | 0.3% | |
| Fidelity Freedom 2065 Fund Lifecycle Fund | — | — | — | $433K | 0.3% |