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Original filing (PDF)20260108104602NAL0003456307001
OPENGATE INC.
Form 5500
FILING_RECEIVED
OPENGATE INC. 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
141
Accounts w/ balance
242
Plan assets (EOY)
$11.3M
Net assets (EOY)
$11.3M
How this plan invests
This plan
2 pooled trusts
Schedule D
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 53 bps in Schedule C fees — 82% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for OPENGATE INC..
Plan sponsor
Name
OPENGATE INC.
EIN
13-2634269
Address
357 MAIN STREET · PO BOX 419 · ARMONK, NY · 10504
Phone
(914) 277-5350
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2026-01-08
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)
Audit & trust (Schedule H)
Auditor
BONADIO & CO., LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $35K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE PATRIOT FNCL GRP INSUR. AGENCY, | 90-0138117 | — | INVESTMENT/FINANCIAL ADVI | $25K | — |
Investments
22 direct securities · 2 pooled funds· $10.8M(96% 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.
Registered Investment Companies
$9.3M
22 holdings
Common Collective Trust
$1.5M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MFS LIFETIME 2045 FUND - R6 | Registered Investment Companies | — | — | $2.4M | 20.8% | |
| MFS LIFETIME 2025 FUND R6 | Registered Investment Companies | — | — | $2.1M | 18.5% | |
| MFS LIFETIME 2035 FUND R6 | Registered Investment Companies | — | — | $1.7M | 14.7% | |
| INVESCO STABLE ASSET - ADPZ INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $1.2M | 11.0% | |
| MFS LIFETIME INCOME FUND - R6 | Registered Investment Companies | — | — | $751K | 6.7% | |
| STATE ST S&P 500 IDX NLS N STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 306 | Common Collective Trust | — | — | $282K | 2.5% | |
| AB LARGE CAP GROWTH FUND Z | Registered Investment Companies | — | — | $264K | 2.3% | |
| MFS LIFETIME 2055 FUND - R6 | Registered Investment Companies | — | — | $236K | 2.1% | |
| MFS LIFETIME 2030 FUND - R6 | Registered Investment Companies | — | — | $228K | 2.0% | |
| MFS VALUE R6 | Registered Investment Companies | — | — | $185K | 1.6% | |
| JH INVESTMENT GRADE BOND R6 | Registered Investment Companies | — | — | $183K | 1.6% | |
| BLACKROCK INCOME K | Registered Investment Companies | — | — | $170K | 1.5% | |
| JANUS HENDERSON BALANCED - N | Registered Investment Companies | — | — | $155K | 1.4% | |
| ALLSPRING SPECIAL MC VAL R6 | Registered Investment Companies | — | — | $147K | 1.3% | |
| JPMORGAN SMALL CAP GROWTH R6 | Registered Investment Companies | — | — | $142K | 1.3% | |
| HTFD INTL OPPORTUNITIES R6 | Registered Investment Companies | — | — | $134K | 1.2% | |
| ALS SPECIAL SMALL CAP VALUE R6 | Registered Investment Companies | — | — | $129K | 1.1% | |
| MFS LIFETIME 2050 FUND - R6 | Registered Investment Companies | — | — | $128K | 1.1% | |
| MFS LIFETIME 2040FUND - R6 | Registered Investment Companies | — | — | $116K | 1.0% | |
| MACQUARIE MID CAP GROWTH R6 | Registered Investment Companies | — | — | $85K | 0.8% | |
| MFS LIFETIME 2060 FUND - R6 | Registered Investment Companies | — | — | $74K | 0.7% | |
| FIDELITY EMERGING MARKETS K | Registered Investment Companies | — | — | $20K | 0.2% | |
| AB GLOBAL BOND Z | Registered Investment Companies | — | — | $17K | 0.1% | |
| MFS LIFETIME 2065 FUND - R6 | Registered Investment Companies | — | — | $4K | <0.1% |
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