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Original filing (PDF)20251013091802NAL0000410691001
RICHMOND CHILDRENS CENTER, INC. DBA RICHMOND COMMUNITY SERVICES
Form 5500
FILING_RECEIVED
RICHMOND CHILDREN'S CENTER, INC. 403(B) PLAN
Defined-contribution retirement plan
Signals · 3
31% in single holding~78 bps in Sched C feesNo recordkeeper disclosed
Active participants
486
Accounts w/ balance
739
Plan assets (EOY)
$19.1M
Net assets (EOY)
$19.1M
How this plan invests
This plan
34 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
85
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Alliance Berstein AB Government Money Market" is 31% of plan.
- 78 bps in Schedule C fees — 170% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RICHMOND CHILDRENS CENTER, INC. DBA RICHMOND COMMUNITY SERVICES.
Plan sponsor
Name
RICHMOND CHILDRENS CENTER, INC. DBA RICHMOND COMMUNITY SERVICES
EIN
13-2736761
Address
272 NORTH BEDFORD ROAD · MOUNT KISCO, NY · 10549
Phone
(914) 471-4141
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
DESIRE & COMPANY CPAS PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PLANS ADMIN SERVICES, INC. | 16-1503696 | — | NONE | $76K | — |
| FOCUSED WEALTH MANAGEMENT | — | NEWBURGH, NY | NONE | $73K | — |
Investments
33 direct securities· $18.2M(95% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Alliance Berstein AB Government Money Market | — | — | — | $5.9M | 30.7% | |
| Nuveen Lrg Cap Growth Index I | — | — | — | $2.2M | 11.7% | |
| Vanguard 500 Index Admiral | — | — | — | $1.5M | 7.9% | |
| Capital Group American Funds 2040 Tdate R6 | — | — | — | $1.1M | 5.9% | |
| Capital Group American Funds 2030 Tdate R6 | — | — | — | $851K | 4.5% | |
| Capital Group American Funds 2045 Tdate R6 | — | — | — | $773K | 4.1% | |
| Vanguard Mid-Cap Index Admiral | — | — | — | $691K | 3.6% | |
| Capital Group American Funds 2035 Tdate R6 | — | — | — | $633K | 3.3% | |
| Notes Receivable from Participants 3.25% - 8.5%, due through June 2032 | — | — | — | $605K | 3.2% | |
| Capital Group American Funds 2055 Tdate R6 | — | — | — | $591K | 3.1% | |
| Vanguard Small-Cap Index Adm | — | — | — | $582K | 3.0% | |
| Vanguard Mid-Cap Gr Index Adm | — | — | — | $564K | 3.0% | |
| Capital Group American Funds 2050 Tdate R6 | — | — | — | $489K | 2.6% | |
| Vanguard Value Index Adm | — | — | — | $382K | 2.0% | |
| Vanguard Dev/Mkts Indx Adm | — | — | — | $292K | 1.5% | |
| Capital Group American Funds 2060 Tdate R6 | — | — | — | $202K | 1.1% | |
| Nuveen Core Plus Bond R6 | — | — | — | $167K | 0.9% | |
| Dimension Fund Advisors DFA Real Estate Securities | — | — | — | $127K | 0.7% | |
| Capital Group American Funds 2010 Tdate R6 | — | — | — | $97K | 0.5% | |
| American Century AC one choice income Retirement | — | — | — | $76K | 0.4% | |
| Vanguard Mid-Cap Value Index Adm | — | — | — | $72K | 0.4% | |
| Capital Group American Funds 2020 Tdate R6 | — | — | — | $59K | 0.3% | |
| Vanguard Core Bond Amiral | — | — | — | $59K | 0.3% | |
| Capital Group American funds HI-Inc TR R6 | — | — | — | $36K | 0.2% | |
| Vanguard Interm -TM Treas Adm | — | — | — | $32K | 0.2% | |
| Vanguard Interm-Trm Inv-Gr Adm | — | — | — | $25K | 0.1% | |
| Capital Group American Funds 2015 Tdate R6 | — | — | — | $23K | 0.1% | |
| Dimension Fund Advisors DFA US Targeted Value I | — | — | — | $22K | 0.1% | |
| Fidelity EMG MKts IDX INSTL PR | — | — | — | $20K | 0.1% | |
| Fidelity Infl Protect BD Index | — | — | — | $13K | <0.1% | |
| Vanguard Explorer Admiral | — | — | — | $5K | <0.1% | |
| Vanguard Int'L Growth Admiral | — | — | — | $5K | <0.1% | |
| Charles Schwab FDMT Intl Eqty Index I | — | — | — | $1K | <0.1% |