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Original filing (PDF)20251012223243NAL0001088640001
CTC AMERICAS, INC.
Form 5500
FILING_RECEIVED
CTC AMERICAS 401(K) PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed7 service providers
Active participants
705
Accounts w/ balance
1,075
Plan assets (EOY)
$69.5M
Net assets (EOY)
$69.5M
How this plan invests
This plan
39 pooled trusts
Schedule D
40 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 (5 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CTC AMERICAS, INC..
Plan sponsor
Name
CTC AMERICAS, INC.
EIN
06-1416686
Address
64 DANBURY ROAD · WILTON, CT · 06897
Phone
(203) 761-6084
Industry
Insurance Agencies & Brokerages· 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
2025-10-12
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CROWE, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LOREN D. STARK COMPANY | — | HOUSTON, TX | THIRD PARTY ADMINISTRATO | $0 | — |
Other
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT ADVISORS, LLC | 02-0488491 | — | SERVICE PROVIDER | $13K | — |
| VOYA RETIREMENT INS & ANNUITY CO | 71-0294708 | — | SERVICE PROVIDER, OTHER | $7K | — |
| MORNINGSTAR INVESTMENT MANAGEMENT | 36-4317381 | — | SERVICE PROVIDER | $7K | — |
| CROWE LLP | 35-0921680 | — | SERVICE PROVIDER | $7K | — |
| ASCENSUS | 82-3719843 | — | OTHER FEES | $2K | — |
| MORNINGSTAR | 36-3297908 | — | SERVICE PROVIDER | $0 | — |
Investments
24 direct securities · 39 pooled funds· $120.4M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$69.0M
39 holdings
Uncategorized
$51.4M
24 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2030 Fund - Investor Shares | — | — | — | $8.6M | 12.3% | |
| VANGRD TRGT RETIRE 2030 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $8.6M | 12.3% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2035 Fund - Investor Shares | — | — | — | $6.5M | 9.4% | |
| VANGRD TRGT RETIRE 2035 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $6.5M | 9.4% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2025 Fund - Investor Shares | — | — | — | $6.4M | 9.2% | |
| VANGRD TRGT RETIRE 2025 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $6.4M | 9.2% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2045 Fund - Investor Shares | — | — | — | $4.4M | 6.4% | |
| VANGRD TRGT RETIRE 2045 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $4.4M | 6.4% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2040 Fund - Investor Shares | — | — | — | $3.9M | 5.7% | |
| VANGRD TRGT RETIRE 2040 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $3.9M | 5.7% | |
| Voya Retirement Ins. & Annuity Co. JPMorgan Large Cap Growth Fund - Class R6 | — | — | — | $3.9M | 5.6% | |
| MORGAN LGCP GRW FND R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $3.9M | 5.6% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Total Stock Market Index Fund Admiral Shares | — | — | — | $3.5M | 5.0% | |
| VANGRD TOT ST MKT INDX FD ADM VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $3.5M | 5.0% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2050 Fund - Investor Shares | — | — | — | $3.4M | 4.9% | |
| VANGRD TRGT RETIRE 2050 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $3.4M | 4.9% | |
| VOYA FIXED ACCOUNT (4062) VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $2.9M | 4.1% | |
| AMERICAN FUNDS GROWTH FND R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $2.5M | 3.6% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement Income Fund - Investor Shares | — | — | — | $2.5M | 3.6% | |
| VANGRD TRGT RETIRE INC FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $2.5M | 3.6% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2020 Fund - Investor Shares | — | — | — | $2.3M | 3.3% | |
| VANGRD TRGT RETIRE 2020 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $2.3M | 3.3% | |
| AMERICAN FUNDS AM BALANCED R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.5M | 2.2% | |
| AMERICAN FUNDS FDMNTL INV R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.5M | 2.1% | |
| Voya Retirement Ins. & Annuity Co. American Funds EuroPacific Growth Fund - Class R-6 | — | — | — | $1.5M | 2.1% | |
| AMER FNDS EUPAC FUND R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.5M | 2.1% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2055 Fund - Investor Shares | — | — | — | $1.4M | 2.0% | |
| VANGRD TRGT RETIRE 2055 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.4M | 2.0% | |
| AMERICAN FUNDS NW PRSPCTV R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.4M | 2.0% | |
| VANGRD MID-CAP INDEX FUND ADM VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.3M | 1.9% | |
| JPMORGAN EQUITY INCOME FUND R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.3M | 1.9% | |
| VOYA INTERMEDIATE BOND FUND R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $1.2M | 1.7% | |
| PIMCO REAL RETURN FUND INS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $944K | 1.4% | |
| EATON VANCE INC FD OF BSTN R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $730K | 1.1% | |
| DFA US SMALL CAP PORTFOLIO INS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $730K | 1.0% | |
| LOOMIS SAYLES BOND FUND N VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $637K | 0.9% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2060 Fund - Investor Shares | — | — | — | $617K | 0.9% | |
| VANGRD TRGT RETIRE 2060 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $617K | 0.9% | |
| from participants 2029 collateralized by account balances | — | — | — | $491K | 0.7% | |
| DFA US TARGETED VL PORT INS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $467K | 0.7% | |
| Voya Retirement Ins. & Annuity Co. Vanguard International Explorer Fund - Investor Shares | — | — | — | $458K | 0.7% | |
| VANGRD INTL EXPLORER FUND INV VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $458K | 0.7% | |
| DFA REAL ESTATE SECS PORT INS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $458K | 0.7% | |
| Voya Retirement Ins. & Annuity Co. Vanguard LifeStrategy Conservative Growth Fund Investor Shares | — | — | — | $363K | 0.5% | |
| VANGRD LIFESTRAT CNS GR FD INV VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $363K | 0.5% | |
| Voya Retirement Ins. & Annuity Co. ClearBridge Small Cap Growth Fund - Class IS | — | — | — | $339K | 0.5% | |
| CLRBRG SMCP GRW FD IS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $339K | 0.5% | |
| INVESCO DIVRSD DIVIDEND FD R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $334K | 0.5% | |
| Voya Retirement Ins. & Annuity Co. Victory Sycamore Established Value Fund - Class R6 | — | — | — | $294K | 0.4% | |
| VICTORY SYCMR EST VL FD R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $294K | 0.4% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2065 Fund - Investor Shares | — | — | — | $275K | 0.4% | |
| VANGRD TRGT RETIRE 2065 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $275K | 0.4% | |
| VOYA MID CAP OPPORT PORT R6 VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $232K | 0.3% | |
| Voya Retirement Ins. & Annuity Co. Vanguard LifeStrategy Growth Fund Investor Shares | — | — | — | $113K | 0.2% | |
| VANGRD LIFESTRAT GRW FD INV VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $113K | 0.2% | |
| Voya Retirement Ins. & Annuity Co. Vanguard LifeStrategy Moderate Growth Fund Investor Shares | — | — | — | $88K | 0.1% | |
| VANGRD LIFESTRAT MD GRW FD INV VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $88K | 0.1% | |
| Voya Retirement Ins. & Annuity Co. Vanguard LifeStrategy Income Fund Investor Shares | — | — | — | $50K | <0.1% | |
| VANGRD LIFESTRAT INC FD INV VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $50K | <0.1% | |
| Voya Retirement Ins. & Annuity Co. Vanguard Target Retirement 2070 Fund - Investor Shares | — | — | — | $16K | <0.1% | |
| VANGRD TRGT RETIRE 2070 FD VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $16K | <0.1% | |
| Voya Retirement Ins. & Annuity Co. Voya Government Money Market Fund Class A (Held Account) | — | — | — | $5K | <0.1% | |
| VOYA GV MNY MKT F A (HLD ACCT) VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $5K | <0.1% |