Original filing (PDF)20251006123557NAL0002058819001

TRUSTEES OF THE ST. JOHNSBURY ACADEMY

Name: TRUSTEES OF THE ST. JOHNSBURY ACADEMY — ST. JOHNSBURY ACADEMY 403(B) RETIREMENT PLAN, Form 5500 (2024)
Creator: TRUSTEES OF THE ST. JOHNSBURY ACADEMY

Form 5500

FILING_RECEIVED

ST. JOHNSBURY ACADEMY 403(B) RETIREMENT PLAN

403(b) retirement plan

Active participants

224

Accounts w/ balance

402

Plan assets (EOY)

$41.5M

Net assets (EOY)

$41.5M

How this plan invests

This plan

1 pooled trust

Schedule D

91 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

100

/ 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

100

Total plan cost

100

Vendor stack

100

Participation health

100

Helping the score

Below-peer total fees (14 bps vs 29 bps peer median).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRUSTEES OF THE ST. JOHNSBURY ACADEMY.

Plan sponsor

Name

TRUSTEES OF THE ST. JOHNSBURY ACADEMY

EIN

03-0181215

Address

1000 MAIN STREET · SAINT JOHNSBURY, VT · 05819

Phone

(802) 748-8171

Industry

Educational Servicessee 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

2025-10-06

Pension benefit codes

2F · ERISA section 404(c)

2L · 403(b)(1) annuity

2G · Total participant-directed accounts

2M · 403(b)(7) custodial accounts

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

KREISCHER MILLER

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

4 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
TIAA-TEACHERS INS & ANNUITY ASSOC	13-1624203	—	RECORDKEEPER	$34K	—
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$160	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
ONEDIGITAL INVESTMENT ADVISORS	82-1434504	—	INVESTMENT ADVISOR/TPA	$17K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
J.L. KREISCHER, PC ET AL PTRS	23-1980475	—	AUDITOR	$5K	—

Investments

90 direct securities · 1 pooled fund· $41.5M(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

$40.8M

90 holdings

Pooled Separate Account

$711K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
TIAA CREF Traditional Annuity	—	—	—	$4.9M	11.7%
TIAA CREF Stock R1	—	—	—	$4.3M	10.4%
TIAA CREF Growth R1	—	—	—	$3.1M	7.4%
American Funds American Funds 2045 Tar Ret R5	—	—	—	$2.5M	5.9%
TIAA CREF Global Equities R1	—	—	—	$2.4M	5.8%
American Funds American Funds 2030 Tar Ret R5	—	—	—	$2.2M	5.3%
American Funds American Funds 2035 Tar Ret R5	—	—	—	$2.1M	5.0%
Vanguard 500 Index	—	—	—	$2.0M	4.8%
American Funds American Funds 2040 Tar Ret R5	—	—	—	$1.9M	4.5%
TIAA CREF Equity Index R1	—	—	—	$1.4M	3.5%
Fidelity Management Trust Company Mutual Funds	—	—	—	$1.2M	2.9%
TIAA CREF Social Choice R1	—	—	—	$891K	2.1%
American Funds Washington Mutual A	—	—	—	$793K	1.9%
TIAA CREF Money Market Fund R1	—	—	—	$726K	1.7%
TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004	Pooled Separate Account	—	—	$711K	1.7%
TIAA CREF Core Bond R1	—	—	—	$652K	1.6%
Horace Mann Life Insurance Company Annuity Contract	—	—	—	$568K	1.4%
American Funds American Funds 2025 Tar Ret R5	—	—	—	$559K	1.3%
American Funds American Funds 2050 Tar Ret R5	—	—	—	$556K	1.3%
American Funds American Funds 2055 Tar Ret R5	—	—	—	$423K	1.0%
Vanguard Developed Markets Index	—	—	—	$419K	1.0%
The American General Life Insurance Company Annuity Contract	—	—	—	$395K	1.0%
American Funds American Funds 2060 Tar Ret R5	—	—	—	$374K	0.9%
American Funds Growth Fund of America A	—	—	—	$373K	0.9%
Vanguard Small-Cap Index Admiral	—	—	—	$367K	0.9%
TIAA CREF Inflation-Linked Bond R1	—	—	—	$328K	0.8%
TIAA CREF Access International Equity T4	—	—	—	$317K	0.8%
VALIC General Account	—	—	—	$287K	0.7%
TIAA CREF Access Lifecycle 2010 T4 231 * TIAA CREF Access Lifecycle 2015 T4	—	—	—	$281K	0.7%
American Funds World Growth and Income A	—	—	—	$250K	0.6%
Vanguard Mid-Cap Index Admiral	—	—	—	$246K	0.6%
Impax International Sustainable Economy Investor Class	—	—	—	$236K	0.6%
American Funds Washington Mutual R6	—	—	—	$232K	0.6%
Pioneer Fundamental Growth K	—	—	—	$212K	0.5%
American Funds American Funds 2010 Tar Ret R5	—	—	—	$171K	0.4%
TIAA CREF Access Large-Cap Value T4	—	—	—	$165K	0.4%
Parnassus Endeavor Fund	—	—	—	$164K	0.4%
T Rowe Price Dividend Growth	—	—	—	$153K	0.4%
American Funds American Mutual A	—	—	—	$151K	0.4%
Victory Capital Sycamore Established Value	—	—	—	$149K	0.4%
Vanguard REIT Index Admiral	—	—	—	$148K	0.4%
TIAA CREF Access Real Estate Secs T4	—	—	—	$140K	0.3%
TIAA CREF Access Quant Small-Cap Equity T4	—	—	—	$122K	0.3%
TIAA CREF Access Large Cap Real Estate Equity T4	—	—	—	$118K	0.3%
Janus Capital Triton I	—	—	—	$104K	0.3%
American Funds American Funds 2020 Tar Ret R5	—	—	—	$98K	0.2%
Eaton Vance Atlanta Capital SMID Cap R6	—	—	—	$98K	0.2%
TIAA CREF Access Mid-Cap Value T4	—	—	—	$94K	0.2%
TIAA CREF Access Small-Cap Blend Idx T4	—	—	—	$84K	0.2%
TIAA CREF Access Growth & Income T4	—	—	—	$78K	0.2%
Blackrock High Yield Class K	—	—	—	$74K	0.2%
Baird Aggregate Bond Institutional	—	—	—	$74K	0.2%
PIMCO Real Return Class	—	—	—	$68K	0.2%
TIAA CREF Access Large-Cap Growth	—	—	—	$67K	0.2%
American Funds Income Builder A	—	—	—	$63K	0.2%
American Funds Income Fund of America A	—	—	—	$62K	0.1%
TIAA CREF Access Equity Index T4	—	—	—	$58K	0.1%
TIAA CREF Access Lifecycle 2050 T4	—	—	—	$56K	0.1%
Putnam Growth Opportunities A	—	—	—	$54K	0.1%
Allspring Special Small Cap Value Institutional	—	—	—	$54K	0.1%
American Funds Small-cap World A	—	—	—	$51K	0.1%
American Funds Growth Fund of America F-1	—	—	—	$51K	0.1%
American Funds American Balanced A	—	—	—	$47K	0.1%
American Funds Washington Mutual F-1	—	—	—	$45K	0.1%
Calvert Small Cap Class A	—	—	—	$44K	0.1%
Vanguard Short-Term Grade Admiral	—	—	—	$43K	0.1%
Putnam Large Cap Value A	—	—	—	$40K	<0.1%
American Funds New World Class A	—	—	—	$39K	<0.1%
TIAA CREF Access Lifecycle 2030 T4 473 * TIAA CREF Access Lifecycle 2035 T4	—	—	—	$37K	<0.1%
American Funds World Bond A	—	—	—	$36K	<0.1%
TIAA CREF Access Mid-Cap Growth T4	—	—	—	$31K	<0.1%
TIAA CREF Access Lifecycle 2020 T4	—	—	—	$30K	<0.1%
TIAA CREF Access Lifecycle 2045 T4	—	—	—	$30K	<0.1%
American Funds Money Market	—	—	—	$30K	<0.1%
Putnam Sustainable Future A	—	—	—	$29K	<0.1%
TIAA CREF Access Core Bond Plus T4	—	—	—	$28K	<0.1%
Calvert Bond Portfolio Class I	—	—	—	$23K	<0.1%
American Funds Income Fund of America R6	—	—	—	$22K	<0.1%
American Funds World Growth and Income F-1	—	—	—	$17K	<0.1%
TIAA CREF Access Lifecycle 2040 T4	—	—	—	$16K	<0.1%
TIAA CREF Access Lifecycle 2055 T4	—	—	—	$15K	<0.1%
TIAA CREF Access Lifecycle 2025 T4	—	—	—	$15K	<0.1%
Putnam Emerging Markets Equity Fund A	—	—	—	$14K	<0.1%
Putnam Small Cap Value A	—	—	—	$13K	<0.1%
American Funds New World R6	—	—	—	$12K	<0.1%
American Funds American Funds 2015 Tar Ret R5	—	—	—	$11K	<0.1%
American Funds Small-cap World F-1	—	—	—	$9K	<0.1%
American Funds New World Class F-1	—	—	—	$6K	<0.1%
Modern Woodmen of America Various registered investment companies	—	—	—	$5K	<0.1%
EuroPacific Growth Fund	—	—	—	$4K	<0.1%
TIAA CREF Access Lifecycle Retirement Income T4	—	—	—	$1K	<0.1%