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Original filing (PDF)20251014080013NAL0003381104001
PENTEGRA SERVICES, INC
Form 5500
FILING_RECEIVED
THE BALDWIN GROUP PEP
401(k) retirement plan
Signals · 1
~177 bps in Sched C fees
Active participants
2,400
Accounts w/ balance
1,783
Plan assets (EOY)
$5.5M
Net assets (EOY)
$5.5M
How this plan invests
This plan
4 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
- 177 bps in Schedule C fees — 240% above peer band of 52 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
011
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
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 & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $31K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE BALDWIN GROUP WEALTH ADVISORS | — | IRVINE, CA | INVESTMENT ADVISOR | $12K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT TRUST COMPANY | — | OVERLAND PARK, KS | TRUSTEE | $707 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES INC | — | WHITE PLAINS, NY | CONTRACT ADMIN | $55K | — |
Investments
34 direct securities · 4 pooled funds· $5.6M(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.
Uncategorized
$5.0M
34 holdings
Common Collective Trust
$450K
3 holdings
Pooled Separate Account
$75K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MFS Lifetime 2035 Fund | — | — | — | $818K | 14.8% | |
| Fidelity 500 Index Fund | — | — | — | $603K | 10.9% | |
| MFS Lifetime 2050 Fund | — | — | — | $547K | 9.9% | |
| MFS Lifetime 2045 Fund | — | — | — | $520K | 9.4% | |
| MFS Lifetime 2055 Fund | — | — | — | $430K | 7.8% | |
| MFS Lifetime 2040 Fund | — | — | — | $399K | 7.2% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $397K | 7.2% | |
| MFS Lifetime 2060 Fund | — | — | — | $351K | 6.3% | |
| MFS Lifetime 2030 Fund | — | — | — | $326K | 5.9% | |
| MFS Lifetime 2065 Fund | — | — | — | $272K | 4.9% | |
| MFS Lifetime 2025 Fund | — | — | — | $266K | 4.8% | |
| MFS Lifetime Income Fund | — | — | — | $166K | 3.0% | |
| JPMorgan Large Cap Growth | — | — | — | $75K | 1.4% | |
| FUTUREFUNDS SERIES ACCT II GREAT-WEST LIFE & ANNUITY INS CO · EIN 84-0467907 / PN 003 | Pooled Separate Account | — | — | $75K | 1.4% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $43K | 0.8% | |
| Capital Group American Funds International Vantage Fund | — | — | — | $43K | 0.8% | |
| JPMorgan Large Cap Growth Fund | — | — | — | $32K | 0.6% | |
| BlackRock Commodity Strategies Fund | — | — | — | $26K | 0.5% | |
| BlackRock Tactical Opportunities Fund | — | — | — | $25K | 0.4% | |
| Capital Group American Funds American Mutual Fund | — | — | — | $19K | 0.3% | |
| DFA Emerging Markets Value Fund | — | — | — | $15K | 0.3% | |
| Fidelity Advisor International Small Cap Fund | — | — | — | $13K | 0.2% | |
| SMALL CAP VALUE FUND III FEE CLASS GREAT GRAY · EIN 38-7289846 / PN 001 | Common Collective Trust | — | — | $10K | 0.2% | |
| MFS Massachusetts Investor Growth Stock Fund | — | — | — | $10K | 0.2% | |
| Victory Sycamore Established Value Fund | — | — | — | $10K | 0.2% | |
| JPMorgan Core Bond Fund | — | — | — | $9K | 0.2% | |
| DFA Emerging Markets Core Equity Fund | — | — | — | $9K | 0.2% | |
| Fidelity International Index Fund ** 538 Fidelity Mid Cap Index Fund | — | — | — | $8K | 0.2% | |
| PIMCO Income Fund Institutional | — | — | — | $8K | 0.1% | |
| Allspring Core Plus Bond Fund | — | — | — | $8K | 0.1% | |
| BlackRock Systematic Multi-Strat Instl Fund | — | — | — | $7K | 0.1% | |
| Janus Henderson Enterprise Fund | — | — | — | $6K | 0.1% | |
| MFS Global Real Estate Fund | — | — | — | $6K | 0.1% | |
| MFS New Discovery Fund | — | — | — | $6K | 0.1% | |
| Templeton Global Bond Fund | — | — | — | $5K | <0.1% | |
| Fidelity Small Cap Index Fund | — | — | — | $3K | <0.1% | |
| Fidelity Advisor Real Estate Income Fund | — | — | — | $3K | <0.1% | |
| Janus Henderson Triton Fund | — | — | — | $2K | <0.1% |