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Original filing (PDF)20251014154518NAL0001606595001
S.T. MANAGEMENT GROUP
Form 5500
FILING_RECEIVED
S.T. MANAGEMENT GROUP 401(K) PLAN
401(k) retirement plan
Signals · 3
26% in single holding~295 bps in Sched C feesNo recordkeeper disclosed
Active participants
109
Accounts w/ balance
100
Plan assets (EOY)
$302K
Net assets (EOY)
$302K
How this plan invests
This plan
11 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
87
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Principal Funds Inc. Principal Life Time 2045 Inst Fund" is 26% of plan.
- 295 bps in Schedule C fees — 87% above peer band of 158 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for S.T. MANAGEMENT GROUP.
Plan sponsor
Name
S.T. MANAGEMENT GROUP
EIN
13-4075217
Address
130 WEST 37TH STREET 2ND FLOOR · NEW YORK, NY · 100187177
Phone
(212) 983-7474
Industry
Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FREED MAXICK P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $9K | — |
Investments
11 direct securities· $296K(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Funds Inc. Principal Life Time 2045 Inst Fund | — | — | — | $76K | 25.2% | |
| Principal Funds Inc. Principal Life Time 2050 Inst Fund | — | — | — | $39K | 12.9% | |
| Principal Funds Inc. Principal Life Time 2055 Inst Fund | — | — | — | $37K | 12.3% | |
| Principal Funds Inc. Principal Life Time 2035 Inst Fund | — | — | — | $35K | 11.6% | |
| Principal Funds Inc. Principal Life Time 2040 Inst Fund | — | — | — | $32K | 10.5% | |
| Principal Funds Inc. Principal Life Time 2060 Inst Fund | — | — | — | $25K | 8.2% | |
| Principal Funds Inc. Principal Life Time 2025 Inst Fund | — | — | — | $23K | 7.6% | |
| Principal Funds Inc. Principal Life Time 2030 Inst Fund | — | — | — | $9K | 3.1% | |
| S.T. Management Group 401(k) Plan Interest rates ranging from 10% to 10.50% | — | — | — | $8K | 2.6% | |
| Principal Funds Inc. Principal Life Time 2020 Inst Fund | — | — | — | $6K | 2.1% | |
| Principal Funds Inc. Principal Life Time 2065 Inst Fund | — | — | — | $6K | 1.9% |
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