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Original filing (PDF)20251013140433NAL0003177746001
PENTEGRA SERVICES, INC
Form 5500
FILING_RECEIVED
SMART RETIREMENT PEP
401(k) retirement plan
Signals · 2
~77 bps in Sched C fees6 service providers
Active participants
760
Accounts w/ balance
479
Plan assets (EOY)
$13.5M
Net assets (EOY)
$13.5M
How this plan invests
This plan
8 pooled trusts
Schedule D
33 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
- 77 bps in Schedule C fees — 165% above peer band of 29 bps.
- 63% 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
010
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
TEMPLETON ACCOUNTS & ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $214 | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WORLD INVESTMENT ADVISORS LLC | — | SANTA BARBARA, CA | INVESTMENT ADVISOR | $54K | — |
| BENEFIT TRUST COMPANY | — | OVERLAND PARK, KS | INVESTMENT ADVISOR | $809 | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT TRUST COMPANY | — | OVERLAND PARK, KS | TRUSTEE | $822 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES, INC. | — | WHITE PLAINS, NY | CONTRACT ADMIN | $44K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $3K | — |
Investments
25 direct securities · 8 pooled funds· $13.4M(99% 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.
Uncategorized
$12.5M
25 holdings
Common Collective Trust
$832K
8 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2045 Trgt Date Retire R6 | — | — | — | $1.8M | 13.1% | |
| American Funds American Funds 2035 Trgt Date Retire R6 | — | — | — | $1.6M | 12.2% | |
| American Funds American Funds 2040 Trgt Date Retire R6 | — | — | — | $1.2M | 9.0% | |
| American Funds American Funds 2050 Trgt Date Retire R6 | — | — | — | $1.0M | 7.4% | |
| Fidelity 500 Index | — | — | — | $758K | 5.6% | |
| American Funds American Funds 2030 Trgt Date Retire R6 | — | — | — | $722K | 5.4% | |
| American Funds American Funds 2025 Trgt Date Retire R6 | — | — | — | $691K | 5.1% | |
| American Funds American Funds 2055 Trgt Date Retire R6 | — | — | — | $587K | 4.4% | |
| Empower Annuity Insurance Co. EI Fixed Account Series Class I | — | — | — | $570K | 4.2% | |
| AB US LARGE CAP GROWTH CIT W SERIES GREAT GRAY · EIN 38-4116831 / PN 509 | Common Collective Trust | — | — | $524K | 3.9% | |
| American Funds American Funds 2020 Trgt Date Retire R6 | — | — | — | $399K | 3.0% | |
| JPMorgan US Equity R6 | — | — | — | $383K | 2.8% | |
| Fidelity Total International Index | — | — | — | $382K | 2.8% | |
| American Funds American Funds 2015 Trgt Date Retire R6 | — | — | — | $367K | 2.7% | |
| Fidelity Total Bond K6 | — | — | — | $285K | 2.1% | |
| Fidelity Us Bond Index | — | — | — | $272K | 2.0% | |
| American Funds American Funds 2060 Trgt Date Retire R6 | — | — | — | $254K | 1.9% | |
| Fidelity Mid Cap Index | — | — | — | $229K | 1.7% | |
| DFA Inflation-Protected Securities I | — | — | — | $210K | 1.6% | |
| American Funds American Funds 2065 Trgt Date Retire R6 | — | — | — | $189K | 1.4% | |
| PIMCO Income Instl | — | — | — | $185K | 1.4% | |
| MFS Intl Diversification R6 | — | — | — | $163K | 1.2% | |
| Fidelity Small Cap Index | — | — | — | $151K | 1.1% | |
| PUTNAM LARGE CAP VALUE TRUST I PUTNAM INVESTMENTS CIT · EIN 82-3639536 / PN 275 | Common Collective Trust | — | — | $110K | 0.8% | |
| WEALTHPATH SMART RISK MODERATE 2 ALTA TRUST · EIN 81-2877419 / PN 001 | Common Collective Trust | — | — | $73K | 0.5% | |
| WEALTHPATH SMART RISK CONSERVATIVE2 ALTA TRUST · EIN 81-2856710 / PN 001 | Common Collective Trust | — | — | $70K | 0.5% | |
| Franklin Small Cap Value R6 | — | — | — | $60K | 0.4% | |
| MFS MID CAP GROWTH FUND CLASS 3C MFS INVESTMENT MANAGEMENT · EIN 57-1187281 / PN 022 | Common Collective Trust | — | — | $49K | 0.4% | |
| Franklin Small Cap Value R6 ** 892 AllianceBerstein L.P. AB Small Cap Growth Z | — | — | — | $36K | 0.3% | |
| WEALTHPATH SMART RISK BALANCED 2 ALTA TRUST · EIN 81-2820802 / PN 000 | Common Collective Trust | — | — | $2K | <0.1% | |
| WEALTHPATH SMART RISK AGGRESSIVE 2 ALTA TRUST · EIN 81-2752913 / PN 000 | Common Collective Trust | — | — | $2K | <0.1% | |
| American Funds American Funds 2010 Trgt Date Retire R6 | — | — | — | $1K | <0.1% | |
| ALLSPRING SPECIAL MID CAP VALUE CIT WELLS FARGO MUTUAL FUNDS · EIN 84-6615098 / PN 001 | Common Collective Trust | — | — | $1K | <0.1% |