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Original filing (PDF)20251030165847NAL0002145153001
PRIMARY CARE CENTERS OF EASTERN KENTUCKY
Form 5500
FILING_RECEIVED
PRIMARY CARE CENTERS OF EASTERN KENTUCKY 401K PLAN
401(k) retirement plan
Signals · 2
26% in single holding6 service providers
Active participants
295
Accounts w/ balance
257
Plan assets (EOY)
$13.1M
Net assets (EOY)
$13.1M
How this plan invests
This plan
52 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "American Funds 2035 Target Date Ret Fund Mutual Fund" is 26% of plan.
- 51 bps in Schedule C fees — 74% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PRIMARY CARE CENTERS OF EASTERN KENTUCKY.
Plan sponsor
Name
PRIMARY CARE CENTERS OF EASTERN KENTUCKY
EIN
06-1685195
Address
101 TOWN AND COUNTRY LANE · STE 100 · HAZARD, KY · 41701
Phone
(606) 439-1300
Industry
Offices of Physicians· Health Care & Social Assistancesee 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
2025-10-30
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BALDWIN CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | RECORDKEEPER | $43K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LEAFHOUSE FINANCIAL ADVISORS, LLC | 26-4311657 | AUSTIN, TX | INVESTMENT ADVISORY | $7K | — |
| PROACCOUNT | 73-0988442 | COLUMBUS, OH | INVESTMENT ADVISORY | $4K | — |
| LPL FINANCIAL LLC | 95-2834236 | SAN DIEGO, CA | FINANCIAL ADVISOR | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE RETIREMENT SYSTEMS, INC. | 31-1299207 | CINCINNATI, OH | TPA | $3K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ERISA SMART | 45-5529798 | VENTURA, CA | 3(16) PROVIDER | $11K | — |
Investments
52 direct securities· $13.1M(100% of reported assets)
Uncategorized
$12.8M
51 holdings
Mutual Funds
$257K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2035 Target Date Ret Fund Mutual Fund | — | — | — | $3.4M | 25.6% | |
| American Funds 2045 Target Date Ret Fund Mutual Fund | — | — | — | $1.8M | 13.8% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $1.5M | 11.4% | |
| JP Morgan Large Cap Growth R6 Mutual Fund | — | — | — | $786K | 6.0% | |
| Fidelity International Index Fund Mutual Fund | — | — | — | $602K | 4.6% | |
| Hartford EQ Inc R4 Mutual Fund | — | — | — | $516K | 3.9% | |
| American Funds 2055 Target Date Ret Fund Mutual Fund | — | — | — | $504K | 3.8% | |
| American Funds 2025 Target Date Ret Fund Mutual Fund | — | — | — | $468K | 3.6% | |
| Leggm Clrbrdg Intl Gr I Mutual Fund | — | — | — | $412K | 3.1% | |
| Participant Loans Maturing at various dates through 2029 at interest rates ranging from 4.25% to 9.50% - | — | — | — | $357K | 2.7% | |
| Blackrock MidCap Growth Eq Inst Mutual Fund | — | — | — | $281K | 2.1% | |
| AB Global Bd I Mutual Fund ** 8 American Century Mid Cap Value Fund R6 Mutual Fund | Mutual Funds | — | — | $257K | 2.0% | |
| American Funds 2050 Target Date Ret Fund Mutual Fund | — | — | — | $201K | 1.5% | |
| American Funds 2060 Target Date Ret Fund Mutual Fund | — | — | — | $198K | 1.5% | |
| LrdAbt Devl Gr R5 Mutual Fund | — | — | — | $163K | 1.2% | |
| American Funds American Balanced Fund Mutual Fund | — | — | — | $162K | 1.2% | |
| Msif Glbl Oppr I Mutual Fund | — | — | — | $158K | 1.2% | |
| American Funds 2040 Target Date Ret Fund Mutual Fund | — | — | — | $152K | 1.2% | |
| Nationwide Fixed Select Option General Account | — | — | — | $128K | 1.0% | |
| Franklin Small Cap Val Adv Mutual Fund | — | — | — | $110K | 0.8% | |
| PGIM High Yield Fund - Class Z Mutual Fund | — | — | — | $83K | 0.6% | |
| PIMCO International Bond Fund Mutual Fund | — | — | — | $76K | 0.6% | |
| American Funds 2015 Target Date Ret Fund Mutual Fund | — | — | — | $66K | 0.5% | |
| DodgeCox International Stk Mutual Fund | — | — | — | $52K | 0.4% | |
| GoldmanSachs GQGPtnrIntlOppr Mutual Fund | — | — | — | $51K | 0.4% | |
| Nationwide Loomis All Cap Growth Fund R6 Mutual Fund | — | — | — | $46K | 0.4% | |
| Avantis U.S. Large Cap Value Fund Mutual Fund | — | — | — | $44K | 0.3% | |
| American Funds 2030 Target Date Ret Fund Mutual Fund | — | — | — | $44K | 0.3% | |
| JP Morgan Equity Income Fund Class R5 Mutual Fund | — | — | — | $41K | 0.3% | |
| Avantis Emerging Markets Equity Fund - Institutional Class Mutual Fund | — | — | — | $39K | 0.3% | |
| PGIM Total Return Bond Fund - Class R6 Mutual Fund | — | — | — | $31K | 0.2% | |
| Nuveen Real Estate Securities Fund - Class R6 Mutual Fund | — | — | — | $29K | 0.2% | |
| Fidelity SmallCap Index Mutual Fund | — | — | — | $28K | 0.2% | |
| Fidelity MidCap Index Mutual Fund | — | — | — | $28K | 0.2% | |
| American Funds 2020 Target Date Ret Fund Mutual Fund | — | — | — | $28K | 0.2% | |
| The Hartford Equity Income Fund Class R4 Mutual Fund ** 972 JP Morgan Emerging Markets Fund R6 Mutual Fund | — | — | — | $28K | 0.2% | |
| Mfs Mdcap Gr R6 Mutual Fund | — | — | — | $24K | 0.2% | |
| Diamond Hill Mid Cap I Mutual Fund | — | — | — | $24K | 0.2% | |
| PIMCOComdyRealRtn StratInst Mutual Fund ** 33 Prncpl Global RealEst R6 Mutual Fund | — | — | — | $23K | 0.2% | |
| Fidelity US Bd Index Mutual Fund | — | — | — | $23K | 0.2% | |
| Legal & General Commodity Strategy Fund - Institutional Shares Mutual Fund | — | — | — | $22K | 0.2% | |
| Blackrock High Yield Protected Bond K Mutual Fund | — | — | — | $21K | 0.2% | |
| Blackrock Total Return Fund Class K Shares Mutual Fund ** 195 DFA Emerging Markets Core Equity Portfolio Mutual Fund ** 55 DFA US Targeted Value Portfolio Institution Mutual Fund | — | — | — | $21K | 0.2% | |
| Nationwide Inflation-Protected Securities Mutual Fund | — | — | — | $18K | 0.1% | |
| American Funds 2010 TargetDate Ret Fund Mutual Fund | — | — | — | $16K | 0.1% | |
| Vanguard Explorer Fund Admiral Shares Mutual Fund | — | — | — | $14K | 0.1% | |
| PIMCO Real Return Fund Institutional Class Mutual Fund | — | — | — | $14K | 0.1% | |
| Avantis U.S. Small Cap Value Fund - Institutional Class Mutual Fund | — | — | — | $13K | 0.1% | |
| American Funda 2065 Target Date Ret Fund Mutual Fund | — | — | — | $11K | <0.1% | |
| AB Global Bond Fund Class - Z Mutual Fund | — | — | — | $8K | <0.1% | |
| Nationwide Core Plus Bond Fund Class R6 Mutual Fund | — | — | — | $7K | <0.1% | |
| Fed Hermes Government Obligations Fund Premier Mutual Fund | — | — | — | $5K | <0.1% |