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Original filing (PDF)20251014171922NAL0001725747001
PHAROS SYSTEMS INTERNATIONAL, INC.
Form 5500
FILING_RECEIVED
PHAROS SYSTEMS INTERNATIONAL, INC. 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
25% in single holding
Active participants
57
Accounts w/ balance
95
Plan assets (EOY)
$11.7M
Net assets (EOY)
$11.7M
How this plan invests
This plan
1 pooled trust
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Fidelity 500 Index Fund Registered Investment Companies" is 25% of plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PHAROS SYSTEMS INTERNATIONAL, INC..
Plan sponsor
Name
PHAROS SYSTEMS INTERNATIONAL, INC.
EIN
11-3645918
Address
4545 EAST RIVER ROAD · SUITE 235 · WEST HENRIETTA, NY · 14586
Phone
(585) 939-7040
Industry
Professional & Technical 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
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)
Audit & trust (Schedule H)
Auditor
INSERO & CO. CPAS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $15K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL NETWORK | 04-2675571 | — | ADVISOR | $18K | — |
Investments
30 direct securities · 1 pooled fund· $11.6M(99% 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
$11.3M
30 holdings
Common Collective Trust
$294K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund Registered Investment Companies | — | — | — | $2.9M | 24.8% | |
| American Funds Target Retirement 2035 Fund Class R6 Registered Investment Companies | — | — | — | $2.1M | 17.8% | |
| American Funds Target Retirement 2030 Fund Class R6 Registered Investment Companies | — | — | — | $1.0M | 8.9% | |
| American Funds Target Retirement 2040 Fund Class R6 Registered Investment Companies | — | — | — | $774K | 6.6% | |
| American Funds Target Retirement 2050 Fund Class R6 Registered Investment Companies | — | — | — | $690K | 5.9% | |
| American Funds Target Retirement 2045 Fund Class R6 Registered Investment Companies | — | — | — | $452K | 3.9% | |
| Janus Henderson Balanced Fund Class T Registered Investment Companies | — | — | — | $425K | 3.6% | |
| Victory Sycamore Established Value Fund Class I Registered Investment Companies | — | — | — | $402K | 3.4% | |
| American Funds Target Retirement 2025 Fund Class R6 Registered Investment Companies | — | — | — | $368K | 3.1% | |
| Fidelity Advisor Small Cap Growth Fund Class A Registered Investment Companies | — | — | — | $366K | 3.1% | |
| American Funds Target Retirement 2055 Fund Class R6 Registered Investment Companies | — | — | — | $325K | 2.8% | |
| FA STABLE VALUE I FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 026 | Common Collective Trust | — | — | $294K | 2.5% | |
| Fidelity Advisor International Capital Appreciation Class A Registered Investment Companies | — | — | — | $290K | 2.5% | |
| MFS Value Fund Class R4 Registered Investment Companies | — | — | — | $239K | 2.0% | |
| Janus Henderson Triton Fund Class T Registered Investment Companies | — | — | — | $205K | 1.7% | |
| Fidelity Advisor New Insights Fund Class I Registered Investment Companies | — | — | — | $157K | 1.3% | |
| Fidelity Government Money Market Fund Class K6 Registered Investment Companies | — | — | — | $154K | 1.3% | |
| Fidelity Advisor Focused Emerging Markets I Registered Investment Companies | — | — | — | $63K | 0.5% | |
| PIMCO Global Bond Opportunities Fund US Dollar-Hedged Registered Investment Companies | — | — | — | $52K | 0.4% | |
| Pioneer Select Mid Cap Growth Y Registered Investment Companies | — | — | — | $44K | 0.4% | |
| Undiscovered Managers Behavioral Value Fund Class R6 Registered Investment Companies | — | — | — | $43K | 0.4% | |
| Lord Abbett High Yield Fund Class R5 Registered Investment Companies | — | — | — | $42K | 0.4% | |
| Fidelity Advisor Strategic Income Fund Class A Registered Investment Companies | — | — | — | $40K | 0.3% | |
| AB Global Real Estate Class I Registered Investment Companies | — | — | — | $30K | 0.3% | |
| FPA Crescent Fund Registered Investment Companies | — | — | — | $29K | 0.2% | |
| Fidelity Advisor Government Income Fund Class A Registered Investment Companies | — | — | — | $25K | 0.2% | |
| PIMCO Investment Grade Credit Bond Fund Institutional Class Registered Investment Companies | — | — | — | $23K | 0.2% | |
| T. Rowe Price International Discovery Fund Registered Investment Companies | — | — | — | $14K | 0.1% | |
| and Maturity Dates Ranging from * Participant Loans January 2025 through May 2027 - | — | — | — | $12K | <0.1% | |
| American Funds Target Retirement 2065 Fund Class R6 Registered Investment Companies | — | — | — | $3K | <0.1% | |
| American Funds Target Retirement 2020 Fund Class R6 Registered Investment Companies | — | — | — | $1K | <0.1% |
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