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Original filing (PDF)20250731111702NAL0013022482001
PREMIUM GUARD, INC.
Form 5500
FILING_RECEIVED
PREMIUM GUARD 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
~83 bps in Sched C fees
Active participants
335
Accounts w/ balance
128
Plan assets (EOY)
$5.7M
Net assets (EOY)
$5.7M
How this plan invests
This plan
7 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Vendor stack
100
Participation health
65
Knocking points off
- 83 bps in Schedule C fees — 59% above peer band of 52 bps.
- Only 38% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PREMIUM GUARD, INC..
Plan sponsor
Name
PREMIUM GUARD, INC.
EIN
11-3139622
Address
4770 HICKORY HILL · MEMPHIS, TN · 38141
Phone
(901) 730-8943
Industry
All Other Professional Services· Professional & Technical Servicessee 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
2025-07-31
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SIKICH CPA LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AME | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $8K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JAMES D. COLLIER & CO | — | MEMPHIS, TN | INVESTMENT ADVISOR | $11K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BURLEIGH CONSULTING GROUP, INC. | 62-0842964 | MEMPHIS, TN | TPA | $12K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MANNAGEMENT | $14K | — |
| MORNINGSTAR INC DBA MORNINGSTAR | — | CHICAGO, IL | OTHER | $2K | — |
Investments
21 direct securities · 7 pooled funds· $5.7M(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
$4.2M
20 holdings
Common Collective Trust
$1.4M
7 holdings
Mutual Funds
$53K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments Fidelity 500 Index | — | — | — | $1.2M | 20.9% | |
| Fidelity Investments Fidelity US Bond Index | — | — | — | $843K | 14.7% | |
| INDEXSELECT MODERATE 2055 FUND GREAT GRAY · EIN 81-4484368 / PN 309 | Common Collective Trust | — | — | $613K | 10.7% | |
| INDEX SELECT MODERATE 2045 FUND GREAT GRAY · EIN 81-4470950 / PN 308 | Common Collective Trust | — | — | $600K | 10.5% | |
| Fidelity Investments Fidelity International Index | — | — | — | $358K | 6.3% | |
| Fidelity Investments Fidelity Mid Cap Growth Index | — | — | — | $260K | 4.5% | |
| Participant loans Interest rates from 4.25% to 9.50% - 0 - | — | — | — | $238K | 4.2% | |
| DFA Emerging Markets I | — | — | — | $179K | 3.1% | |
| American Century American Century Inflation Adj Bond R6 | — | — | — | $176K | 3.1% | |
| Fully Benefit-Responsive Investment Contract * Empower Annuity Insurance Company of America EI Fixed Account - Series Class I | — | — | — | $163K | 2.9% | |
| Blackrock 40/60 Target Allocation K | — | — | — | $124K | 2.2% | |
| American Funds American Funds American High Income Tr R6 | — | — | — | $114K | 2.0% | |
| SSGA RUSSELL SC VALUE INDEX NL CL C STATE STREET GLOBAL ADVISORS COLLECTIVE TRUSTS · EIN 90-0337987 / PN 223 | Common Collective Trust | — | — | $99K | 1.7% | |
| Fidelity Investments Fidelity Mid Cap Value Index | — | — | — | $95K | 1.7% | |
| MFS International Growth R6 | — | — | — | $83K | 1.5% | |
| Fidelity Investments Fidelity Real Estate Index | — | — | — | $77K | 1.3% | |
| Hartford Dividend and Growth R6 | — | — | — | $66K | 1.2% | |
| Blackrock 60/40 Target Allocation K ** 1 Blackrock 80/20 Target Allocation K | — | — | — | $64K | 1.1% | |
| DFA Commodity Strategy I | — | — | — | $61K | 1.1% | |
| American Century American Century Focused Global Growth R6 | Mutual Funds | — | — | $53K | 0.9% | |
| SSGA RUSSELL SC GROWTH INDEX STATE STREET GLOBAL ADVISORS COLLECTIVE TRUSTS · EIN 90-0337987 / PN 221 | Common Collective Trust | — | — | $53K | 0.9% | |
| INDEXSELECT MODERATE 2065 FUND GREAT GRAY · EIN 38-7275306 / PN 775 | Common Collective Trust | — | — | $51K | 0.9% | |
| American Funds American Funds Capital World Bond R6 | — | — | — | $46K | 0.8% | |
| Blackrock 20/80 Target Allocation K | — | — | — | $42K | 0.7% | |
| American Century American Century Ultra R6 | — | — | — | $35K | 0.6% | |
| Blackrock Total Return K | — | — | — | $24K | 0.4% | |
| INDEXSELECT AGGRESSIVE 2035 FUND GREAT GRAY · EIN 81-4393238 / PN 302 | Common Collective Trust | — | — | $12K | 0.2% | |
| INDEXSELECT CONSERVATIVE FUND GREAT GRAY · EIN 81-4499160 / PN 310 | Common Collective Trust | — | — | $0 | <0.1% |
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