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Original filing (PDF)20250522105059NAL0002585249001
GREATER SPRINGFIELD SENIOR SERVICES
Form 5500
FILING_RECEIVED
GREATER SPRINGFIELD SENIOR SERVICES 403(B) THRIFT PLAN
403(b) retirement plan
Signals · 2
26% in single holdingNo recordkeeper disclosed
Active participants
225
Accounts w/ balance
224
Plan assets (EOY)
$11.7M
Net assets (EOY)
$11.7M
How this plan invests
This plan
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
87
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Fixed Income Guaranteed Option Guaranteed investment contract" is 26% of plan.
- 35 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GREATER SPRINGFIELD SENIOR SERVICES.
Plan sponsor
Name
GREATER SPRINGFIELD SENIOR SERVICES
EIN
04-2510895
Address
66 INDUSTRY AVE · SUITE 9 · SPRINGFIELD, MA · 011043243
Phone
(413) 781-8800
Industry
Other Services (ex. Public Admin)see 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
2025-05-22
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL NETWORK | 04-2675571 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $41K | — |
Investments
21 direct securities· $11.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fixed Income Guaranteed Option Guaranteed investment contract | — | — | — | $3.1M | 26.5% | |
| John Hancock Bond R6 Fund Mutual fund | — | — | — | $1.8M | 15.2% | |
| Vanguard 500 Index Admiral Fund " | — | — | — | $1.1M | 9.0% | |
| JP Morgan Equity Income R6 Fund " | — | — | — | $888K | 7.6% | |
| T. Rowe Price Blue Chip Growth I Fund " | — | — | — | $697K | 5.9% | |
| American Funds American Balanced R6 Fund " | — | — | — | $559K | 4.8% | |
| PIMCO High Yield Institutional Fund " | — | — | — | $477K | 4.1% | |
| MFS International Diversification R6 Fund " | — | — | — | $469K | 4.0% | |
| American Century Mid-Cap Value R6 Fund " | — | — | — | $459K | 3.9% | |
| American Funds New Perspective R6 Fund " | — | — | — | $451K | 3.8% | |
| Calvert Equity R6 Fund " | — | — | — | $395K | 3.4% | |
| BlackRock Mid-Cap Growth Equity K Fund " | — | — | — | $337K | 2.9% | |
| Allspring Spec Small Cap Value R6 " | — | — | — | $300K | 2.6% | |
| Invesco EQV International Equity R6 Fund " | — | — | — | $258K | 2.2% | |
| T. Rowe Price New Horizons I Fund " | — | — | — | $241K | 2.1% | |
| Vanguard Mid Cap Index Admiral Fund " | — | — | — | $129K | 1.1% | |
| Vanguard Small Cap Index Admiral Fund " | — | — | — | $123K | 1.1% | |
| (E) | — | — | — | $2K | <0.1% | |
| Vanguard Utilities Index Admiral Fund " | — | — | — | $2K | <0.1% | |
| (E) | — | — | — | $1K | <0.1% | |
| Global Real Estate Sec R6 Fund " | — | — | — | $1K | <0.1% |
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