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Original filing (PDF)20250804114312NAL0002665746001
CREDIT CENTRAL, LLC
Form 5500
FILING_RECEIVED
CREDIT CENTRAL, LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
100% in single holding~87 bps in Sched C fees
Active participants
417
Accounts w/ balance
183
Plan assets (EOY)
$4.1M
Net assets (EOY)
$4.1M
How this plan invests
This plan
17 pooled trusts
Schedule D
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
81
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "Currentvalue 1,073,012" is 100% of plan.
- 87 bps in Schedule C fees — 67% above peer band of 52 bps.
- Only 44% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREDIT CENTRAL, LLC.
Plan sponsor
Name
CREDIT CENTRAL, LLC
EIN
01-0651500
Address
700 EAST NORTH STREET · SUITE 15 · GREENVILLE, SC · 29601
Phone
(864) 242-4422
Industry
Finance & Insurancesee all
Plan administrator
Name
PENTEGRA SERVICES, INC
EIN
13-3745616
City
WHITE PLAINS, NY
Phone
(844) 367-2848
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-04
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
GREERWALKER LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $19K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES, INC | 13-3745616 | CHARLOTTE, NC | CONTRACT ADMIN | $16K | — |
Investments
1 direct security · 17 pooled funds· $7.3M(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
$4.1M
1 holding
Common Collective Trust
$3.2M
17 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Currentvalue 1,073,012 | — | — | $1.1M | $4.1M | 100.0% | |
| PUTNAM RETIREMENT ADV TRUST 2030 I PUTNAM INVESTMENTS · EIN 26-0788804 / PN 262 | Common Collective Trust | — | — | $1.1M | 26.5% | |
| PUTNAM RETIREMENT ADV TRUST 2045 I PUTNAM INVESTMENTS · EIN 26-1208510 / PN 259 | Common Collective Trust | — | — | $511K | 12.6% | |
| PUTNAM RETIREMENT ADV TRUST 2035 I PUTNAM INVESTMENTS · EIN 26-0787945 / PN 261 | Common Collective Trust | — | — | $430K | 10.6% | |
| PUTNAM RETIREMENT ADV TRUST 2040 I PUTNAM INVESTMENTS · EIN 26-1384398 / PN 260 | Common Collective Trust | — | — | $373K | 9.2% | |
| PUTNAM RETIREMENT ADV TRUST 2025 I PUTNAM INVESTMENTS · EIN 26-1384344 / PN 263 | Common Collective Trust | — | — | $307K | 7.6% | |
| PUTNAM RETIREMENT ADV 2055 I PUTNAM INVESTMENTS · EIN 27-3616920 / PN 275 | Common Collective Trust | — | — | $123K | 3.0% | |
| PUTNAM RETIREMENT ADV TRUST 2050 I PUTNAM INVESTMENTS · EIN 26-0787670 / PN 258 | Common Collective Trust | — | — | $87K | 2.1% | |
| GREAT GRAY EUROPACFIC GROWTH TR I1 GREAT GRAY · EIN 38-7289844 / PN 001 | Common Collective Trust | — | — | $77K | 1.9% | |
| PUTNAM RETIREMENT ADV TRUST 2060 I PUTNAM INVESTMENTS · EIN 27-3616920 / PN 273 | Common Collective Trust | — | — | $66K | 1.6% | |
| LARGE CAP VALUE I1 GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $55K | 1.4% | |
| STABLE VALUEFUND FEE CLASSI1 GREAT GRAY · EIN 85-4031707 / PN 000 | Common Collective Trust | — | — | $45K | 1.1% | |
| CORE PLUS BOND CL I1 GREAT GRAY · EIN 38-4116854 / PN 001 | Common Collective Trust | — | — | $42K | 1.0% | |
| LARGE CAP GROWTH FUND III FEE CL I1 GREAT GRAY · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $11K | 0.3% | |
| PUTNAM RETIREMENT ADV TRUST MAT I PUTNAM INVESTMENTS · EIN 26-0788428 / PN 268 | Common Collective Trust | — | — | $9K | 0.2% | |
| MID CAP GROWTH FUND II CL I1 GREAT GRAY · EIN 38-7304118 / PN 181 | Common Collective Trust | — | — | $5K | 0.1% | |
| MFS MID CAP VALUE FUND CL 2W GREAT GRAY · EIN 38-4139822 / PN 000 | Common Collective Trust | — | — | $1 | <0.1% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $0 | <0.1% |
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