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Original filing (PDF)20250929124251NAL0013862624001
ELIOT COMMUNITY HUMAN SERVICES, INC.
Form 5500
FILING_RECEIVED
ELIOT COMMUNITY HUMAN SERVICES, INC. 401(K) PLAN
401(k) retirement plan
Active participants
1,999
Accounts w/ balance
1,169
Plan assets (EOY)
$41.0M
Net assets (EOY)
$41.0M
How this plan invests
This plan
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
65
Vendor stack
100
Participation health
80
Knocking points off
- 45 bps in Schedule C fees — 57% above peer band of 29 bps.
- 58% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ELIOT COMMUNITY HUMAN SERVICES, INC..
Plan sponsor
Name
ELIOT COMMUNITY HUMAN SERVICES, INC.
EIN
04-2316924
Address
125 HARTWELL AVENUE · LEXINGTON, MA · 02421
Phone
(781) 861-0890
Industry
Health Care & Social Assistancesee 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
2025-09-29
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)
Audit & trust (Schedule H)
Auditor
AAFCPAS, INC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $100K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH EQUITY SERVICES | 04-2675571 | — | INVESTMENT ADVISOR | $44K | — |
| GLOBAL RETIREMENT PARTNERS LLC | 47-1411118 | — | INVESTMENT ADVISOR | $42K | — |
Investments
36 direct securities· $41.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Party-In Identity of Issue, Borrower, Rate of Interest, Collateral, Current Interest Lessor, or Similar Party Par, or Maturity Value Cost Value American Funds 2035 Target Date Retirement Fund Mutual Fund | — | — | — | $7.0M | 17.0% | |
| American Funds 2050 Target Date Retirement Fund Mutual Fund | — | — | — | $5.1M | 12.5% | |
| American Funds 2040 Target Date Retirement Fund Mutual Fund | — | — | — | $4.0M | 9.8% | |
| American Funds 2030 Target Date Retirement Fund Mutual Fund | — | — | — | $4.0M | 9.7% | |
| American Funds 2045 Target Date Retirement Fund Mutual Fund | — | — | — | $3.5M | 8.5% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $2.3M | 5.6% | |
| American Funds 2025 Target Date Retirement Fund Mutual Fund | — | — | — | $2.3M | 5.5% | |
| American Funds 2055 Target Date Retirement Fund Mutual Fund | — | — | — | $1.8M | 4.5% | |
| American Funds 2060 Target Date Retirement Fund Mutual Fund | — | — | — | $1.7M | 4.1% | |
| T. Rowe Price New Horizons Fund Mutual Fund | — | — | — | $1.4M | 3.4% | |
| through March 2038 - | — | — | — | $1.2M | 3.0% | |
| American Funds 2020 Target Date Retirement Fund Mutual Fund | — | — | — | $1.1M | 2.7% | |
| Capital Preservation Fund Fixed Annuity Contract | — | — | — | $591K | 1.4% | |
| MFS Growth Fund Mutual Fund | — | — | — | $516K | 1.3% | |
| John Hancock Bond Fund Mutual Fund | — | — | — | $451K | 1.1% | |
| American Funds Washington Mutual Investment Fund Mutual Fund | — | — | — | $391K | 1.0% | |
| American Funds 2065 Target Date Retirement Fund Mutual Fund | — | — | — | $377K | 0.9% | |
| Blackrock Equity Dividend Fund Mutual Fund | — | — | — | $306K | 0.7% | |
| American Funds 2015 Target Date Retirement Fund Mutual Fund | — | — | — | $288K | 0.7% | |
| AB Large Cap Growth Fund Mutual Fund | — | — | — | $275K | 0.7% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $273K | 0.7% | |
| Fidelity Advisor Strategic Income Fund Mutual Fund | — | — | — | $268K | 0.7% | |
| ClearBridge International Growth Fund Mutual Fund | — | — | — | $254K | 0.6% | |
| American Funds New World Fund Mutual Fund | — | — | — | $237K | 0.6% | |
| Fidelity International Index Fund Mutual Fund | — | — | — | $230K | 0.6% | |
| Fidelity Small Cap Index Fund Mutual Fund | — | — | — | $207K | 0.5% | |
| PIMCO Real Return Fund Mutual Fund | — | — | — | $163K | 0.4% | |
| Blackrock Mid Cap Growth Equity Mutual Fund | — | — | — | $159K | 0.4% | |
| MFS International Value Fund Mutual Fund | — | — | — | $112K | 0.3% | |
| MassMutual High Yield Fund Mutual Fund | — | — | — | $104K | 0.3% | |
| Franklin Small Cap Value Fund Mutual Fund | — | — | — | $99K | 0.2% | |
| American Funds 2010 Target Date Retirement Fund Mutual Fund | — | — | — | $95K | 0.2% | |
| John Hancock Disciplined Value Mid Cap R6 Mutual Fund | — | — | — | $83K | 0.2% | |
| Parnassus Core Equity Fund Mutual Fund | — | — | — | $50K | 0.1% | |
| Nuveen Core Impact Bond R6 Mutual Fund | — | — | — | $28K | <0.1% | |
| Calvert Balanced Fund Mutual Fund | — | — | — | $3K | <0.1% |
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