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Original filing (PDF)20251013110115NAL0001159825001
PENTEGRA SERVICES, INC.
Form 5500
FILING_RECEIVED
THE RETIRESMART PEP
401(k) retirement plan
Active participants
1,574
Accounts w/ balance
846
Plan assets (EOY)
$25.5M
Net assets (EOY)
$25.5M
How this plan invests
This plan
44 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 65 bps in Schedule C fees — 125% above peer band of 29 bps.
- 54% balance-to-active ratio — below typical for a healthy 401(k).
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 AVENUE · SUITE 320E · WHITE PLAINS, NY · 10604
Phone
(844) 367-2848
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
009
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)
2A · Age/service weighted or new comparability
Audit & trust (Schedule H)
Auditor
TEMPLETON & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $74K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | 47-1411118 | — | INVESTMENT ADVISORY PLAN | $11K | — |
| EQUITABLE ADVISORS LLC | 13-4078005 | — | INVESTMENT ADVISORY PLAN | $10K | — |
| CREATIVE PLANNING | 84-4519624 | — | INVESTMENT ADVISORY PLAN | $8K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES INC. | 13-3745616 | — | POOLED PLAN PROVIDER | $63K | — |
Investments
43 direct securities· $23.5M(92% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom Index 2030 Premier Fund | — | — | — | $3.5M | 13.8% | |
| Fidelity Freedom Index 2035 Premier Fund | — | — | — | $3.4M | 13.4% | |
| Fidelity Freedom Index 2040 Premier Fund | — | — | — | $2.0M | 7.9% | |
| Fidelity Freedom Index 2050 Premier Fund | — | — | — | $1.7M | 6.9% | |
| Fidelity Freedom Index 2025 Premier Fund | — | — | — | $1.7M | 6.5% | |
| Fidelity 500 Index Fund | — | — | — | $1.4M | 5.4% | |
| Fidelity Freedom Index 2015 Premier Fund | — | — | — | $1.3M | 5.0% | |
| Fidelity Freedom Index 2055 Premier Fund | — | — | — | $1.2M | 4.8% | |
| Transamerica Financial * Stable Value Core Account | — | — | — | $913K | 3.6% | |
| Fidelity Freedom Index 2020 Premier Fund | — | — | — | $646K | 2.5% | |
| Fidelity Freedom Index 2060 Premier Fund | — | — | — | $596K | 2.3% | |
| Fidelity Large Cap Growth Index Fund | — | — | — | $484K | 1.9% | |
| participants 9.50%, various maturities. | — | — | — | $476K | 1.9% | |
| Fidelity Mid Cap Index Fund | — | — | — | $416K | 1.6% | |
| Fidelity Freedom Index 2065 Premier Fund | — | — | — | $370K | 1.5% | |
| Fidelity Total Market Index Fund | — | — | — | $343K | 1.3% | |
| Fidelity International Index Fund | — | — | — | $341K | 1.3% | |
| BlackRock Strategic Income Opps Fund | — | — | — | $326K | 1.3% | |
| Fidelity Small Cap Index Fund | — | — | — | $324K | 1.3% | |
| Fidelity US Bond Index Fund | — | — | — | $323K | 1.3% | |
| Goldman Sachs GQG Partnership Internal Opportunity Fund | — | — | — | $223K | 0.9% | |
| State Street Balanced Index | — | — | — | $199K | 0.8% | |
| Dodge & Cox Income Fund | — | — | — | $175K | 0.7% | |
| Putnam Large Cap Growth Fund | — | — | — | $172K | 0.7% | |
| Fidelity Inflation-Protected Bond Index Fund | — | — | — | $146K | 0.6% | |
| Vanguard Windsor Admiral Fund | — | — | — | $125K | 0.5% | |
| Fidelity Emerging Markets Index Fund | — | — | — | $119K | 0.5% | |
| Principal Real Estate Securities Fund | — | — | — | $101K | 0.4% | |
| Fidelity Large Cap Value Index Fund | — | — | — | $79K | 0.3% | |
| American Funds Inflation Linked Bond | — | — | — | $52K | 0.2% | |
| American Funds New World Fund | — | — | — | $44K | 0.2% | |
| PIMCO International Bond (US Hedged) Fund | — | — | — | $41K | 0.2% | |
| Artisan International Value Instl Fund | — | — | — | $39K | 0.2% | |
| Fidelity Multi- Asset Index | — | — | — | $38K | 0.1% | |
| PGIM Jennison Mid Cap Growth Fund | — | — | — | $30K | 0.1% | |
| Fidelity Real Estate Index | — | — | — | $26K | 0.1% | |
| Vanguard Total Intl Bond Index Admiral Fund | — | — | — | $24K | <0.1% | |
| Federated Hermes Institution High Yield Bond | — | — | — | $12K | <0.1% | |
| Fidelity Intermediate Treasury Bond | — | — | — | $10K | <0.1% | |
| Vanguard FTSE Social Index Admiral | — | — | — | $9K | <0.1% | |
| Fidelity Freedom Index Income Premier Fund | — | — | — | $6K | <0.1% | |
| Vanguard GNMA Admiral | — | — | — | $5K | <0.1% | |
| Vanguard Wellesley Income Admiral Fund | — | — | — | $1K | <0.1% |
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