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Original filing (PDF)20251013081427NAL0000832561001
PENTEGRA SERVICES, INC
Form 5500
FILING_RECEIVED
THE GRATITUDE PEP
401(k) retirement plan
Signals · 1
6 service providers
Active participants
525
Accounts w/ balance
432
Plan assets (EOY)
$35.6M
Net assets (EOY)
$35.6M
How this plan invests
This plan
13 pooled trusts
Schedule D
37 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
- 59 bps in Schedule C fees — 105% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PENTEGRA SERVICES, INC.
Plan sponsor
Name
PENTEGRA SERVICES, INC
EIN
13-3745616
Address
701 WESTCHESTER AVE, SUITE 320E · WHITE PLAINS, NY · 10604
Phone
(844) 367-2848
Industry
Finance & Insurancesee all
Plan administrator
Name
PENTEGRA SERVICES, INC
EIN
13-3745616
City
WHITE PLAINS, NY
Phone
(844) 367-2848
Plan characteristics
Plan number
007
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
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)
2W · Pooled employer plan (PEP)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
TEMPLETON & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLIAGE, CO | RECORDKEEPER | $7K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BIDDLE CAPITAL MANAGERMENT | — | WILMINGTON, DE | OTHER, INVESTMENT ADVISO | $114K | — |
| SHEPHERD FINANCIAL INVESTMENT ADVIS | — | CARMEL, IN | INVESTMENT ADVISOR | $12K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OSAIC FA INC | — | FORT WAYNE, IN | BROKER/ADVISER | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES INC | — | WHITE PLAINS, NY | OTHER, CONTRACT ADMIN | $72K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLIAGE, CO | INVESTMENT MGMT | $6K | — |
Investments
24 direct securities · 13 pooled funds· $35.6M(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.
Common Collective Trust
$17.8M
13 holdings
Uncategorized
$17.8M
24 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126261 / PN 565 | Common Collective Trust | — | — | $3.7M | 10.4% | |
| T.Rowe Price Large Cap Growth Fund | — | — | — | $3.2M | 9.1% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126262 / PN 566 | Common Collective Trust | — | — | $3.0M | 8.5% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126260 / PN 564 | Common Collective Trust | — | — | $2.9M | 8.2% | |
| JPMorgan Large Cap Growth Fund | — | — | — | $2.7M | 7.7% | |
| JPMorgan U.S. Value Fund | — | — | — | $2.0M | 5.6% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126264 / PN 568 | Common Collective Trust | — | — | $1.9M | 5.4% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126263 / PN 567 | Common Collective Trust | — | — | $1.9M | 5.3% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126260 / PN 569 | Common Collective Trust | — | — | $1.4M | 3.8% | |
| American Funds Bond Fund of America | — | — | — | $1.2M | 3.4% | |
| Invesco Small Cap Value Fund | — | — | — | $1.2M | 3.3% | |
| Ishares U.S. Aggregate Bond Index Fund | — | — | — | $1.2M | 3.3% | |
| American Funds American Balanced | — | — | — | $1.1M | 3.0% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126267 / PN 571 | Common Collective Trust | — | — | $1.0M | 2.8% | |
| Ishares Russell 1000 Large-Cap Index Fund | — | — | — | $860K | 2.4% | |
| Fidelity Intermediate Treasury Bond Index Fund ** 12 Fidelity International Index Fund | — | — | — | $854K | 2.4% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126266 / PN 570 | Common Collective Trust | — | — | $771K | 2.2% | |
| Nuveen S&P 500 Index | — | — | — | $663K | 1.9% | |
| BlackRock High Yield Bond Portfolio | — | — | — | $623K | 1.8% | |
| Ishares Russell 2000 Small-Cap Index Fund | — | — | — | $547K | 1.5% | |
| participants 9.50%, various maturities. | — | — | — | $366K | 1.0% | |
| MORLEY STABLE VALUE FUND PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $341K | 1.0% | |
| Invesco Gold & Special Minerals | — | — | — | $330K | 0.9% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126259 / PN 563 | Common Collective Trust | — | — | $330K | 0.9% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126268 / PN 572 | Common Collective Trust | — | — | $326K | 0.9% | |
| BlackRock Sustainable Advantage Large Cap Core | — | — | — | $296K | 0.8% | |
| Empower Annuity Insurance * Fixed Account | — | — | — | $251K | 0.7% | |
| Ishares Russell Mid-Cap Index Fund | — | — | — | $146K | 0.4% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-4126290 / PN 593 | Common Collective Trust | — | — | $134K | 0.4% | |
| GREAT GRAY TRUST AMERICAN FUNDS 202 GREAT GRAY · EIN 38-7275308 / PN 777 | Common Collective Trust | — | — | $94K | 0.3% | |
| Fidelity Real Estate Index Fund | — | — | — | $77K | 0.2% | |
| Franklin Small Cap Growth Fund | — | — | — | $76K | 0.2% | |
| American Funds Capital World Bond Fund | — | — | — | $69K | 0.2% | |
| Fidelity Inflation Protected Bond Index Fund | — | — | — | $36K | <0.1% | |
| Victory Government Securities | — | — | — | $14K | <0.1% | |
| Franklin Real Estate Securities Fund | — | — | — | $10K | <0.1% | |
| AllSpring Real Return | — | — | — | $10K | <0.1% |