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Original filing (PDF)20251002174056NAL0000473699001
THE FAY SCHOOL
Form 5500
FILING_RECEIVED
THE FAY SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
148
Accounts w/ balance
417
Plan assets (EOY)
$40.2M
Net assets (EOY)
$40.2M
How this plan invests
This plan
1 pooled trust
Schedule D
78 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (1 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE FAY SCHOOL.
Plan sponsor
Name
THE FAY SCHOOL
EIN
04-2103573
Address
48 MAIN STREET · SOUTHBOROUGH, MA · 01772
Phone
(508) 485-0100
Industry
Educational Servicessee 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
2025-10-02
Pension benefit codes
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
Audit & trust (Schedule H)
Auditor
CLIFTONLARSENALLEN
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI CONSULTING GROUP | 06-1053228 | — | N/A | $4K | — |
| TIAA | 13-1624203 | — | N/A | $2K | — |
Investments
77 direct securities · 1 pooled fund· $40.2M(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
$40.0M
77 holdings
Pooled Separate Account
$198K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Nuveen Equity Index R Mutual Fund | — | — | — | $4.3M | 10.7% | |
| CREF Stock R1 Variable Annuity | — | — | — | $4.1M | 10.1% | |
| MFS Growth R3 Mutual Fund | — | — | — | $2.4M | 6.0% | |
| TIAA Traditional Non Benefit Responsive Fixed Annuity Contract | — | — | — | $2.3M | 5.7% | |
| Fidelity Adv Freedom 2045 A Mutual Fund | — | — | — | $2.2M | 5.6% | |
| Fidelity Adv Freedom 2035 A Mutual Fund | — | — | — | $2.2M | 5.6% | |
| TIAA Traditional Benefit Responsive Fully Benefit-Responsive Investment Contract | — | — | — | $2.1M | 5.3% | |
| CREF Growth R1 Variable Annuity | — | — | — | $2.0M | 5.0% | |
| Fidelity Adv Freedom 2030 A Mutual Fund | — | — | — | $1.9M | 4.7% | |
| Fidelity Adv Freedom 2040 A Mutual Fund | — | — | — | $1.8M | 4.5% | |
| Fidelity Adv Freedom 2050 A Mutual Fund | — | — | — | $1.5M | 3.8% | |
| Fidelity Adv Freedom 2055 A Mutual Fund | — | — | — | $1.2M | 2.9% | |
| Columbia Select Large CapVal A Mutual Fund | — | — | — | $1.0M | 2.5% | |
| Goldman SachsIntl EqInsights A Mutual Fund | — | — | — | $941K | 2.3% | |
| TIAA Access Nuv LifCyc 2025 T4 Variable Annuity | — | — | — | $853K | 2.1% | |
| CREF Equity Index R1 Variable Annuity | — | — | — | $818K | 2.0% | |
| JPMorgan Mid Cap Value A Mutual Fund | — | — | — | $606K | 1.5% | |
| Fidelity Adv Freedom Inc A Mutual Fund | — | — | — | $590K | 1.5% | |
| CREF Global Equities R1 Variable Annuity | — | — | — | $530K | 1.3% | |
| Nuveen Large Cap Resp Equity Mutual Fund | — | — | — | $508K | 1.3% | |
| Macquarie Mid Cap Growth A Mutual Fund | — | — | — | $489K | 1.2% | |
| Nuveen Real Estate Sec Sel R Mutual Fund | — | — | — | $446K | 1.1% | |
| Fidelity Adv Freedom 2025 A Mutual Fund | — | — | — | $422K | 1.1% | |
| Prudential Guaranteed Income Fund Fully Benefit-Responsive Investment Contract | — | — | — | $375K | 0.9% | |
| Fidelity Adv Freedom 2060 A Mutual Fund | — | — | — | $338K | 0.8% | |
| Delaware Small Cap Value A Mutual Fund | — | — | — | $320K | 0.8% | |
| AB Small Cap Growth A Mutual Fund | — | — | — | $317K | 0.8% | |
| CREF Core Bond R1 Variable Annuity | — | — | — | $311K | 0.8% | |
| Fidelity Adv Freedom 2020 A Mutual Fund | — | — | — | $300K | 0.7% | |
| Pioneer Bond Fund Cl A Mutual Fund | — | — | — | $296K | 0.7% | |
| CREF Social Choice R1 Variable Annuity | — | — | — | $274K | 0.7% | |
| PIMCO Real Return Fund A Mutual Fund | — | — | — | $264K | 0.7% | |
| TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $198K | 0.5% | |
| Vanguard Total IntlStk IndxAdm Mutual Fund | — | — | — | $189K | 0.5% | |
| VictoryPioneerStrategic Inc A Mutual Fund | — | — | — | $170K | 0.4% | |
| TIAA Access Nuv Intl Equity T4 Variable Annuity | — | — | — | $143K | 0.4% | |
| CREF Money Market R1 Variable Annuity | — | — | — | $119K | 0.3% | |
| Nuveen Lifecycle 2035 Retire Mutual Fund | — | — | — | $115K | 0.3% | |
| Nuveen Lifecycle 2045 Retire Mutual Fund | — | — | — | $113K | 0.3% | |
| Nuveen Lifecycle 2025 Retire Mutual Fund | — | — | — | $96K | 0.2% | |
| Participants Participant Loans Rates of 5.25% to 10.50% | — | — | — | $94K | 0.2% | |
| TIAA Access Nuv Lrg Cap Val T4 Variable Annuity | — | — | — | $89K | 0.2% | |
| Nuveen Lifecycle 2040 Retire Mutual Fund | — | — | — | $87K | 0.2% | |
| Nuveen Lifecycle 2030 Retire Mutual Fund | — | — | — | $81K | 0.2% | |
| CREF Inflation-Linked Bond R1 Variable Annuity | — | — | — | $69K | 0.2% | |
| TIAA Access Nuv LgCp Res Eq T4 Variable Annuity | — | — | — | $68K | 0.2% | |
| TIAA Access Nuv Qt Sm Cp Eq T4 Variable Annuity | — | — | — | $65K | 0.2% | |
| TIAA Access Nuv Mid Cap Val T4 Variable Annuity | — | — | — | $58K | 0.1% | |
| TIAA Access Nuv LifCyc 2035 T4 Variable Annuity | — | — | — | $40K | <0.1% | |
| TIAA Access Nuv RlEstSecSel T4 Variable Annuity | — | — | — | $27K | <0.1% | |
| TIAA Access Nuv LifCyc 2040 T4 Variable Annuity | — | — | — | $25K | <0.1% | |
| Nuveen Lifecycle 2050 Retire Mutual Fund | — | — | — | $23K | <0.1% | |
| Vanguard Total Bd Mkt IndexAdm Mutual Fund | — | — | — | $18K | <0.1% | |
| Victory Pioneer US Gov Money Market Money Market Fund | — | — | — | $16K | <0.1% | |
| Nuveen Lifecycle 2020 Retire Mutual Fund | — | — | — | $16K | <0.1% | |
| TIAA Access Nuv Sm Cp Bl Ix T4 Variable Annuity | — | — | — | $15K | <0.1% | |
| TIAA Traditional Non Benefit Responsive 2 Fixed Annuity Contract | — | — | — | $14K | <0.1% | |
| Nuveen Lifecycle 2015 Retire Mutual Fund | — | — | — | $13K | <0.1% | |
| TIAA Access Nuv Mid Cap Grw T4 Variable Annuity | — | — | — | $12K | <0.1% | |
| TIAA Access Nuv LifCyc 2050 T4 Variable Annuity | — | — | — | $12K | <0.1% | |
| TIAA Access Nuv LifCyc 2030 T4 Variable Annuity | — | — | — | $11K | <0.1% | |
| TIAA Access Nuv Core Pl Bd T4 Variable Annuity | — | — | — | $8K | <0.1% | |
| TIAA Access Nuv LifCyc 2015 T4 Variable Annuity | — | — | — | $8K | <0.1% | |
| Eaton Vance Large Cap Value A Mutual Fund | — | — | — | $7K | <0.1% | |
| TIAA Access Nuv LifCyc 2010 T4 Variable Annuity | — | — | — | $7K | <0.1% | |
| Nuveen Internatl Equity Retire Mutual Fund | — | — | — | $6K | <0.1% | |
| The Hartford Mid Cap Fund R4 Mutual Fund | — | — | — | $5K | <0.1% | |
| FedHermes Clover Small Value A Mutual Fund | — | — | — | $4K | <0.1% | |
| TIAA Access Nuv LifCyc 2045 T4 Variable Annuity | — | — | — | $4K | <0.1% | |
| TIAA Traditional Benefit Responsive 2 Fully Benefit-Responsive Investment Contract | — | — | — | $4K | <0.1% | |
| Nuveen Lifecycle 2010 Retire Mutual Fund | — | — | — | $4K | <0.1% | |
| PGIM Jennison Growth A Mutual Fund | — | — | — | $3K | <0.1% | |
| Nuveen Mid Cap Value Retire Mutual Fund | — | — | — | $3K | <0.1% | |
| Metropolitan West Tot Ret Bd M Mutual Fund | — | — | — | $2K | <0.1% | |
| Columbia Acorn Intl Fd Cl A Mutual Fund | — | — | — | $2K | <0.1% | |
| Templeton Global Bond Class A Mutual Fund | — | — | — | $2K | <0.1% | |
| Nuveen Lifecycle 2055 Retire Mutual Fund | — | — | — | $2K | <0.1% | |
| Nuveen High Yield Retirement Mutual Fund | — | — | — | $1K | <0.1% |