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Original filing (PDF)20260312083149NAL0006501571001
ROAD TO RESPONSIBILITY, INC.
Form 5500
FILING_RECEIVED
ROAD TO RESPONSIBILITY, INC. 403(B) PLAN
403(b) retirement plan
Signals · 2
Late filing · 3.9 moNo recordkeeper disclosed
Active participants
619
Accounts w/ balance
619
Plan assets (EOY)
$6.2M
Net assets (EOY)
$6.2M
How this plan invests
This plan
1 pooled trust
Schedule D
80 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
84
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Filed 3.9 months past the 10.5-month grace window.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (1 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ROAD TO RESPONSIBILITY, INC..
Plan sponsor
Name
ROAD TO RESPONSIBILITY, INC.
EIN
04-3035105
Address
1831 OCEAN STREET · MARSHFIELD, MA · 02050
Phone
(781) 834-1300
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
2026-03-12
Pension benefit codes
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EQUITABLE LIFE INSURANCE COMPAN | 13-5570651 | SYRACUSE, NY | INVESTMENT PROVIDER | $533 | — |
Investments
80 direct securities · 1 pooled fund· $9.1M(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
$6.1M
80 holdings
Pooled Separate Account
$3.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| POOLED SEPARATE ACCOUNT 65 EQUITABLE LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 065 | Pooled Separate Account | — | — | $3.0M | 48.7% | |
| Equitable Fixed Account | — | — | — | $863K | 14.0% | |
| Vanguard Target Retirement 2035 INV | — | — | — | $633K | 10.3% | |
| Vanguard Target Retirement 2040 INV | — | — | — | $585K | 9.5% | |
| Equitable Guaranteed Investment Option | — | — | — | $571K | 9.3% | |
| Voya VY TRwPr Cap Apprec Port Srv | — | — | — | $442K | 7.2% | |
| Vanguard Target Retirement 2030 INV | — | — | — | $403K | 6.6% | |
| Vanguard Target Retirement 2025 INV | — | — | — | $333K | 5.4% | |
| Vanguard Target Retirement 2055 INV | — | — | — | $197K | 3.2% | |
| Vanguard Target Retirement 2045 INV | — | — | — | $184K | 3.0% | |
| American Funds American Funds Bond Fd Am R4 ** 339 * Equitable EQ/Equity 500 Index | — | — | — | $181K | 2.9% | |
| Vanguard Target Retirement 2050 INV | — | — | — | $169K | 2.7% | |
| Vanguard Target Retirement 2020 INV | — | — | — | $159K | 2.6% | |
| Vanguard Target Retirement 2060 INV | — | — | — | $152K | 2.5% | |
| Fidelity 500 Index | — | — | — | $82K | 1.3% | |
| VALIC Loan Escrow Fund ** 197 * Voya Short-Term GAA (4559) | — | — | — | $73K | 1.2% | |
| Equitable EQ/Small Company Index | — | — | — | $70K | 1.1% | |
| Equitable EQ/Capital Group Research | — | — | — | $66K | 1.1% | |
| Equitable American Funds Bond of American ** - * Equitable EQ/Intermediate Government Bnd ** 1 Fidelity VIP Contrafund Pt I | — | — | — | $57K | 0.9% | |
| American Funds American Funds Growth Fnd R4 | — | — | — | $55K | 0.9% | |
| American Funds American Funds EuroPacific R4 | — | — | — | $52K | 0.8% | |
| Voya VY JPM MdCp Value Port Srv | — | — | — | $46K | 0.8% | |
| Equitable EQ/Mid Cap Index | — | — | — | $46K | 0.7% | |
| Vanguard Target Retirement 2065 INV | — | — | — | $41K | 0.7% | |
| Equitable EQ/Lg Cap Val Managed Vol | — | — | — | $41K | 0.7% | |
| Voya Small Company Port I | — | — | — | $38K | 0.6% | |
| Voya Russell LgCp Indx Prt I | — | — | — | $37K | 0.6% | |
| Equitable S&P 500 Index 1 Yr - 10% Buffer | — | — | — | $36K | 0.6% | |
| Equitable Target 2045 Allocation | — | — | — | $34K | 0.5% | |
| Participant Loans Notes receivable from participants, maturing | — | — | — | $33K | 0.5% | |
| Equitable EQ/Fidelity Instnl Am Lrg Cap | — | — | — | $33K | 0.5% | |
| Fidelity VIP Growth Port I ** 5 Franklin Templeton Franklin Small Cap Val VIP 2 | — | — | — | $31K | 0.5% | |
| Fidelity Mid Cap Index ** 833 J.P. Morgan JPMorgan US Equity R6 | — | — | — | $25K | 0.4% | |
| J.P. Morgan JPMorgan Mid Cap Growth R6 | — | — | — | $24K | 0.4% | |
| Equitable EQ/AB Small Cap Growth | — | — | — | $24K | 0.4% | |
| Equitable EQ/Large Cap Value Index | — | — | — | $23K | 0.4% | |
| Equitable EQ/Mfs International Intrinsic Value | — | — | — | $21K | 0.3% | |
| American Funds American Funds Wash Mutual R4 | — | — | — | $21K | 0.3% | |
| Equitable EQ/MFS International Growth | — | — | — | $20K | 0.3% | |
| Voya Fixed Plus Acct II (4568) | — | — | — | $19K | 0.3% | |
| Equitable EQ/Mid Cap Val Managed Vol | — | — | — | $18K | 0.3% | |
| VALIC Fixed Account Plus | — | — | — | $18K | 0.3% | |
| Equitable EQ/International Equity Index | — | — | — | $16K | 0.3% | |
| Equitable EQ/Core Plus Bond ** 1 * Equitable EQ/Int Core Managed Vol | — | — | — | $15K | 0.2% | |
| Voya Large Cap Growth Prt Ins | — | — | — | $14K | 0.2% | |
| Equitable EQ/Gamco Small Company Value | — | — | — | $13K | 0.2% | |
| Equitable EQ/MFS Technology | — | — | — | $11K | 0.2% | |
| Equitable EQ/JPmorgan Growth Stock | — | — | — | $11K | 0.2% | |
| Voya VY TRwPr Divr MdCp Gr Pt I | — | — | — | $8K | 0.1% | |
| Voya VY TRwPr Grw Eqty Pt I | — | — | — | $7K | 0.1% | |
| Fidelity Vip Equity Income | — | — | — | $7K | 0.1% | |
| Voya SmCp Opport Port I | — | — | — | $7K | 0.1% | |
| Voya Short-Term GAA | — | — | — | $7K | 0.1% | |
| Equitable EQ/Fidelity Instnl Am Lrg Cap ** - * Equitable EQ/Goldman Sachs Mid Cap Value | — | — | — | $6K | 0.1% | |
| Voya Gov Money Market Port I | — | — | — | $6K | <0.1% | |
| Voya Long-Term GAA | — | — | — | $5K | <0.1% | |
| American Funds American Funds Nw Prspctv R4 ** 840 American Funds American Funds Fdmntl Inv R4 | — | — | — | $4K | <0.1% | |
| Equitable EQ/Com Stck Index | — | — | — | $3K | <0.1% | |
| VALIC Growth Fund | — | — | — | $3K | <0.1% | |
| VALIC Systematic Core Fund | — | — | — | $3K | <0.1% | |
| Equitable EQ/Moderate Allocation | — | — | — | $3K | <0.1% | |
| Equitable EQ/Invesco Comstock | — | — | — | $3K | <0.1% | |
| Voya Solution Cons Pt I | — | — | — | $3K | <0.1% | |
| Voya Solution 2055 Port Srv ** 162 * Voya VY TRwPr Eqty Income Prt Srv ** 57 * Voya VY AmCen Sm-MdCp Vl Pt Srv | — | — | — | $3K | <0.1% | |
| Fidelity VIP Mid Cap | — | — | — | $3K | <0.1% | |
| Voya VY Baron Growth Port Srv | — | — | — | $2K | <0.1% | |
| Voya Solution Balanced Pt Srv | — | — | — | $2K | <0.1% | |
| Vanguard Lifestrategy Moderate GR INV | — | — | — | $2K | <0.1% | |
| VALIC Loan Collateral Fund | — | — | — | $2K | <0.1% | |
| Equitable Multimanager Aggressive Equity | — | — | — | $2K | <0.1% | |
| Voya Mid Cap Opport Port I | — | — | — | $2K | <0.1% | |
| American Funds American Funds New World R6 | — | — | — | $2K | <0.1% | |
| Equitable EQ/Mfs Utilities Series | — | — | — | $2K | <0.1% | |
| Goldman Sachs Small Cap Value Insights R6 | — | — | — | $2K | <0.1% | |
| MFS Mid Cap Value R6 | — | — | — | $2K | <0.1% | |
| VALIC Science & Technology Fund | — | — | — | $2K | <0.1% | |
| VALIC Mid Cap Strategic Gwth | — | — | — | $1K | <0.1% | |
| Equitable EQ/Int Val Managed Vol | — | — | — | $1K | <0.1% | |
| American Funds American Funds Insrnce Srs Bnd | — | — | — | $1K | <0.1% | |
| Equitable Target 2055 Allocation | — | — | — | $1K | <0.1% | |
| Fidelity Total International Index | — | — | — | $1K | <0.1% |
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