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Original filing (PDF)20251015055523NAL0008304130001
PENTEGRA SERVICES INC
Form 5500
FILING_RECEIVED
MSTC EASY(K) PEP
401(k) retirement plan
Active participants
1,450
Accounts w/ balance
749
Plan assets (EOY)
$19.3M
Net assets (EOY)
$19.3M
How this plan invests
This plan
1 pooled trust
Schedule D
27 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
- 44 bps in Schedule C fees — 52% above peer band of 29 bps.
- 52% 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
13-5645888
Address
701 WESTCHESTER AVENUE · SUITE 320E · WHITE PLAINS, NY · 10604
Phone
(800) 872-3473
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
TEMPLETON & COMPANY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES, ICN. | 13-3745616 | WHITE PLAINS, NY | RECORDKEEPER | $85K | — |
Investments
27 direct securities · 1 pooled fund· $19.3M(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
$19.3M
27 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Admiral Fund | — | — | — | $2.3M | 11.7% | |
| Fidelity Contrafund Fund | — | — | — | $2.0M | 10.1% | |
| Vanguard Target Retirement 2055 Inv Fund | — | — | — | $1.3M | 6.7% | |
| Vanguard Small Cap Index Adm Fund | — | — | — | $1.3M | 6.6% | |
| American Funds New Perspective Fund | — | — | — | $1.3M | 6.5% | |
| Vanguard Dividend Growth Inv Fund | — | — | — | $1.1M | 5.8% | |
| Vanguard Target Retirement 2035 Inv Fund | — | — | — | $1.0M | 5.4% | |
| Reliance Trust Company Stable Value Fund-MetLife 25053 Class 0 | — | — | — | $960K | 5.0% | |
| Vanguard Equity-Income Adm Fund | — | — | — | $950K | 4.9% | |
| Vanguard Mid Cap Index Admiral Fund | — | — | — | $943K | 4.9% | |
| Vanguard Target Retirement 2040 Inv Fund | — | — | — | $935K | 4.8% | |
| Vanguard Target Retirement 2050 Inv Fund | — | — | — | $863K | 4.5% | |
| Franklin Income Adv Fund | — | — | — | $851K | 4.4% | |
| Vanguard Target Retirement 2045 Inv Fund | — | — | — | $564K | 2.9% | |
| Vanguard Target Retirement 2060 Inv Fund | — | — | — | $547K | 2.8% | |
| Vanguard Target Retirement 2065 Inv Fund | — | — | — | $484K | 2.5% | |
| American Funds Intl Gr and Inc Fund | — | — | — | $459K | 2.4% | |
| Vanguard Target Retirement 2025 Inv Fund | — | — | — | $411K | 2.1% | |
| Vanguard Target Retirement 2030 Inv Fund | — | — | — | $349K | 1.8% | |
| PIMCO Income Instl Fund | — | — | — | $289K | 1.5% | |
| Notes receivable from Loans to participants, interest rates ranging from * - | — | — | — | $143K | 0.7% | |
| Vanguard FTSE All-WLD Ex-US Inx Admiral Fund | — | — | — | $86K | 0.4% | |
| PGIM Short Duration Multi Sector Bond Fund | — | — | — | $72K | 0.4% | |
| American Funds Europacific Growth Fund | — | — | — | $61K | 0.3% | |
| Vanguard Target Retirement 2020 Inv Fund | — | — | — | $27K | 0.1% | |
| Vanguard Bond Market Index Admiral Fund | — | — | — | $25K | 0.1% | |
| Vanguard Target Retirement Income Inv Fund | — | — | — | $17K | <0.1% | |
| COLLECTIVE INVESTMENT TRUST CHARLES SCHWAB · EIN 82-3967259 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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