Original filing (PDF)20250926085639NAL0003908723001

AMERICAN CONSUMER CREDIT COUNSELING

Name: AMERICAN CONSUMER CREDIT COUNSELING — AMERICAN CONSUMER CREDIT COUNSELING 401K PSP, Form 5500 (2024)
Creator: AMERICAN CONSUMER CREDIT COUNSELING

Form 5500

FILING_RECEIVED

AMERICAN CONSUMER CREDIT COUNSELING 401K PSP

401(k) retirement plan

Signals · 2

Late participant contributionsCorrective distributions issued

Active participants

140

Accounts w/ balance

224

Plan assets (EOY)

$7.7M

Net assets (EOY)

$7.7M

How this plan invests

This plan

32 securities

funds · stocks · CUSIPs

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

Plan health score

/ 100

Grade B

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICAN CONSUMER CREDIT COUNSELING.

Plan sponsor

Name

AMERICAN CONSUMER CREDIT COUNSELING

EIN

04-3166982

Address

130 RUMFORD AVENUE · SUITE 202 · AUBURNDALE, MA · 02466

Phone

(617) 559-5762

Industry

Finance & Insurancesee 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

2025-09-26

Pension benefit codes

2S · Automatic enrollment

2E · Profit-sharing

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

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2F · ERISA section 404(c)

2T · Default investment account (QDIA)

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
THE VANGUARD GROUP, INC.	23-1945930	—	NONE	$4K	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIRST NATIONAL CORP	—	ROCKLAND, MA	NONE	$18K	—

Investments

32 direct securities· $7.7M(100% of reported assets)

Other securities

$7.5M

30 holdings

Cash / Money Market

$85K

1 holding

Participant loans

$81K

1 holding

					% of plan
Vanguard Target Retirement 2030 Fund Vanguard 0	Other securities	—	—	$1.3M	16.3%
Vanguard Target Retirement 2040 Fund Vanguard 0	Other securities	—	—	$900K	11.7%
Vanguard Target Retirement 2025 Fund Vanguard 0	Other securities	—	—	$738K	9.6%
Vanguard Target Retirement 2045 Fund Vanguard 0	Other securities	—	—	$514K	6.7%
Vanguard 500 Index Adm Vanguard 0	Other securities	—	—	$508K	6.6%
Vanguard Russell 1000 Growth ETF Vanguard 0	Other securities	—	—	$479K	6.2%
Vanguard Target Retirement 2035 Fund Vanguard 0	Other securities	—	—	$477K	6.2%
T Rowe Price Int US Sm-Cap Grth Eqty I T. Rowe Price 0	Other securities	—	—	$379K	4.9%
BlackRock Health Sciences Opp Port K BlackRock 0	Other securities	—	—	$339K	4.4%
Vanguard Target Retirement 2050 Fund Vanguard 0	Other securities	—	—	$323K	4.2%
Vanguard Target Retirement 2020 Fund Vanguard 0	Other securities	—	—	$199K	2.6%
Vanguard S&P Mid-Cap 400 Index ETF Vanguard 0	Other securities	—	—	$192K	2.5%
Vanguard Target Retirement 2055 Fund Vanguard 0	Other securities	—	—	$182K	2.4%
Dodge & Cox Balanced Fund I Dodge 0	Other securities	—	—	$152K	2.0%
Vanguard Total Stock Market Index Adm Vanguard 0	Other securities	—	—	$126K	1.6%
Goldman Sachs GQG Prtnrs Intl Opp Instl Goldman Sachs 0	Other securities	—	—	$125K	1.6%
Vanguard Small-Cap Index Adm Vanguard 0	Other securities	—	—	$110K	1.4%
Vanguard Target Retirement Income Fund Vanguard 0	Other securities	—	—	$106K	1.4%
Vanguard Target Retirement 2060 Fund Vanguard 0	Other securities	—	—	$95K	1.2%
Vanguard Federal Money Market Inv Vanguard 0	Cash / Money Market	—	—	$85K	1.1%
Vanguard Target Retirement 2065 Fund Vanguard 0	Other securities	—	—	$85K	1.1%
Various Rates and Maturities Participant's Loan Account 0	Participant loans	—	—	$81K	1.1%
Vanguard Windsor II Adm Vanguard 0	Other securities	—	—	$77K	1.0%
T. Rowe Price All-Cap Opport I T. Rowe Price 0	Other securities	—	—	$54K	0.7%
PIMCO Income Instl PIMCO 0	Other securities	—	—	$35K	0.5%
Vanguard Selected Value Inv Vanguard 0	Other securities	—	—	$27K	0.3%
Dodge & Cox Income Fund I Dodge 0	Other securities	—	—	$16K	0.2%
Vanguard Real Estate Index Adm Vanguard 0	Other securities	—	—	$12K	0.2%
Vanguard Total Intl Stock Index Adm Vanguard 0	Other securities	—	—	$11K	0.1%
Vanguard Total Bond Market Index Adm Vanguard 0	Other securities	—	—	$5K	<0.1%
AB High Income Z Alliance Bernstein 0	Other securities	—	—	$1K	<0.1%
Vanguard Materials Index Adm Vanguard 0	Other securities	—	—	$1K	<0.1%