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Original filing (PDF)20260130150502NAL0005401713001
INNOVATIVE RESOURCES FOR INDEPENDENCE
Form 5500
FILING_RECEIVED
INNOVATIVE RESOURCES FOR INDEPENDENCE 403(B) PLAN
403(b) retirement plan
Signals · 1
~92 bps in Sched C fees
Active participants
591
Accounts w/ balance
546
Plan assets (EOY)
$4.0M
Net assets (EOY)
$4.0M
How this plan invests
This plan
75 pooled trusts
Schedule D
75 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
- 92 bps in Schedule C fees — 77% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INNOVATIVE RESOURCES FOR INDEPENDENCE.
Plan sponsor
Name
INNOVATIVE RESOURCES FOR INDEPENDENCE
EIN
13-3490223
Address
2016 LINDEN BOULEVARD · ELMONT, NY · 11003
Phone
(718) 805-6796
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-07-01
Tax period
2025-06-30
Filed
2026-01-30
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2M · 403(b)(7) custodial accounts
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
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSERV | 27-6266021 | — | RECORDKEEPER | $21K | — |
| EQUITABLE FINANCIAL LIFE INSURANCE | 13-5570651 | — | RECORDKEEPER | $16K | — |
Investments
75 pooled funds· $1.1M(27% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MULTIMANAGER AGGRESSIVE EQUITY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $169K | 4.2% | |
| TARGET 2035 ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $154K | 3.8% | |
| EQ/MODERATE ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $106K | 2.6% | |
| EQ/500 MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $83K | 2.1% | |
| EQ/LG CAP VAL MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $69K | 1.7% | |
| TARGET 2045 ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $60K | 1.5% | |
| EQ/EQUITY 500 INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $53K | 1.3% | |
| EQ/MODERATE-PLUS ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $46K | 1.2% | |
| EQ/COM STCK INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $43K | 1.1% | |
| EQ/CAPITAL GROUP RESEARCH EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $32K | 0.8% | |
| EQ/AGGRESSIVE ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY21,170 · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $26K | 0.6% | |
| EQ/CONSERV-PLUS ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $21K | 0.5% | |
| EQ/MID CAP VAL MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $16K | 0.4% | |
| MULTIMANAGER TECHNOLOGY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $16K | 0.4% | |
| EQ/JPMORGAN GROWTH STOCK EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $13K | 0.3% | |
| EQ/CORE PLUS BOND EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $13K | 0.3% | |
| EQ/MFS INTERNATIONAL GROWTH EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $11K | 0.3% | |
| EQ/GLB EQTY MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $11K | 0.3% | |
| EQ/INTERNATIONAL EQUITY INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $10K | 0.3% | |
| EQ/JPMORGAN VAL OPPORTUNITIES EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $10K | 0.2% | |
| TARGET 2025 ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $9K | 0.2% | |
| EQ/MID CAP INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| EQ/FR SM CAP VAL MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $8K | 0.2% | |
| FIDELITY VIP MID CAP EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $7K | 0.2% | |
| EQ/MFS INTRNTNL INTRINSIC VAL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $6K | 0.1% | |
| TARGET 2015 ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $5K | 0.1% | |
| RUSSELL 2000 3YR - 20% BUFFER EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $5K | 0.1% | |
| EQ/INT VAL MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $5K | 0.1% | |
| EQ/PIMCO ULTRA SHORT BOND EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $4K | 0.1% | |
| EQ/CORE BOND INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $4K | <0.1% | |
| EQ/JANUS ENTERPRISE EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $4K | <0.1% | |
| EQ/CONSERV ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $4K | <0.1% | |
| EQ/CLEARBRIDGE LG CAP GRWT ESG EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/INVESCO GLOBAL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/INVESCO COMSTOCK EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/LG CAP GRW MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/LG CAP CORE MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/MONEY MARKET EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/INT CORE MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/QUALITY BOND PLUS EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $3K | <0.1% | |
| EQ/LARGE CAP VALUE INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| EQ/SMALL COMPANY INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| MULTIMANAGER CORE BOND EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| EQ/LARGE CAP GROWTH INDEX EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| EQ/AB SMALL CAP GROWTH EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $797 | <0.1% | |
| EQ/FIDELITY INSTITUTINL AM LGC EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $771 | <0.1% | |
| INVESCO V.I. HIGH YIELD EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $667 | <0.1% | |
| 1290 VT GAMCO SMALL CO VAL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $648 | <0.1% | |
| EQ/VALUE EQUITY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $637 | <0.1% | |
| EQ/AMERICAN CENTRY MID CAP VAL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $431 | <0.1% | |
| INVESCO V.I. SMALL CAP EQUITY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $399 | <0.1% | |
| EQ/INTERNATIONAL MANAGED VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $393 | <0.1% | |
| EQ/LAZARD EMERGING MRKTS EQTY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $360 | <0.1% | |
| TEMPLETON GLOBAL BOND VIP EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $338 | <0.1% | |
| AM FNDS INSRNC SRS BND OF AMER EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $330 | <0.1% | |
| EQ/ALL ASSET GROWTH ALLOCATION EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $303 | <0.1% | |
| RUSSELL 2000 1YR - 10% BUFFER EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $287 | <0.1% | |
| EQ/MFS TECHNOLOGY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $278 | <0.1% | |
| EQ/GOLDMAN SACHS MID CAP VALUE EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $269 | <0.1% | |
| MACQUARIE VIP HIGH INC SERIES EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $267 | <0.1% | |
| EQ/AGGRESSIVE GROWTH STRATEGY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $261 | <0.1% | |
| 1290 VT HIGH YIELD BOND EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $247 | <0.1% | |
| 1290 VT SMARTBETA EQUITY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $213 | <0.1% | |
| EQ/LOOMIS SAYLES GROWTH EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $201 | <0.1% | |
| EQ/INTERMEDIATE GOVERNMENT BND EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $198 | <0.1% | |
| EQ/INVESCO GLOBAL REAL ASSETS EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $193 | <0.1% | |
| EQ/CLEARBRIDGE SEL EQY MAN VOL EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $193 | <0.1% | |
| EQ/MODERATE GROWTH STRATEGY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $184 | <0.1% | |
| EQ/MFS UTILITIES SERIES EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $121 | <0.1% | |
| PIMCO VIT CMMDTYREALRETRN STGY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $88 | <0.1% | |
| MFS MASS INVESTORS GRWTH STOCK EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $77 | <0.1% | |
| 1290 VT SMALL CAP VALUE EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $48 | <0.1% | |
| INVESCO V.I. MAINST MC FUND EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $46 | <0.1% | |
| EQ/BALANCED STRATEGY EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $12 | <0.1% | |
| 1290 VT SOCIALLY RESPONSIBLE EQUITABLE FINANCIAL LIFE INSURANCE COMPANY · EIN 13-5570651 / PN 000 | Pooled Separate Account | — | — | $8 | <0.1% |
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