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Original filing (PDF)20251014113103NAL0002764161001
BOARD OF DIRECTORS OF PENTEGRA DEFINED CONTRIBUTION PLAN
Form 5500
FILING_RECEIVED
PENTEGRA DEFINED CONTRIBUTION PLAN FOR FINANCIAL INSTITUTIONS
401(k) retirement plan
Signals · 2
No recordkeeper disclosed9 service providers
Active participants
35,585
Accounts w/ balance
21,969
Plan assets (EOY)
$2.3B
Net assets (EOY)
$2.3B
How this plan invests
This plan
23 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)
85
/ 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
68
Participation health
80
Knocking points off
- 40 bps in Schedule C fees — 695% above peer band of 5 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (9 disclosed providers, 7 categories).
- 62% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BOARD OF DIRECTORS OF PENTEGRA DEFINED CONTRIBUTION PLAN.
Plan sponsor
Name
BOARD OF DIRECTORS OF PENTEGRA DEFINED CONTRIBUTION PLAN
EIN
13-6321489
Address
701 WESTCHESTER AVENUE, SUITE 320E · WHITE PLAINS, NY · 10604
Phone
(914) 694-1300
Industry
Finance & Insurancesee all
Plan administrator
Name
ERIC WIETSMA, PRESIDENT
EIN
38-3784887
City
WHITE PLAINS, NY
Phone
(914) 694-1300
Plan characteristics
Plan number
333
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2H · Partial participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsAdvisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS | — | SAN RAFAEL, CA | INVESTMENT ADVISORY-PLAN | $45K | — |
| CAMBRIDGE INVESTMENT RESEARCH, INC | — | RIPLEY, TN | INVESTMENT ADVISORY(PLAN | $11K | — |
| CUSO FINANCIAL SERVICES, LP | — | SAN DIEGO, CA | INVESTMENT ADVISORY (PLA | $6K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | BROKERAGE ACCOUNT | $0 | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RELIANCE TRUST COMPANY | 58-1428634 | — | TRUSTEE | $50K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA RETIREMENT SERVICES | 13-6321489 | — | CONTRACT ADMIN | $8.8M | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTON LARSON ALLEN | 41-0746749 | — | ACCOUNTING | $29K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MCCONNELL VALDES LLC | 66-0226027 | — | LEGAL | $1K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STATE STREET GLOBAL ADVISORS | 04-1867445 | — | INVESTMENT MGMT | $0 | — |
Investments
11 direct securities · 23 pooled funds· $2.3B(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.
Common Collective Trust
$2.0B
23 holdings
Uncategorized
$251.5M
11 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| S&P 500(R) INDEX NL SF CL K STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 388 | Common Collective Trust | — | — | $392.4M | 17.4% | |
| STABLE VALUE FUND METLIFE SERIES 25 RELIANCE TRUST COMPANY · EIN 58-1428634 / PN 013 | Common Collective Trust | — | — | $218.8M | 9.7% | |
| TARGET RETIREMENT 2030 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 434 | Common Collective Trust | — | — | $182.3M | 8.1% | |
| S&P MIDCAP INDEX NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 04-0025081 / PN 352 | Common Collective Trust | — | — | $164.1M | 7.3% | |
| NASDAQ-100 INDEX (R) NL SF CLASS M STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 180 | Common Collective Trust | — | — | $154.1M | 6.8% | |
| RUSSELL LARGECAP GROWTH(R)NL SF CLM SATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 228 | Common Collective Trust | — | — | $145.3M | 6.4% | |
| TARGET RETIREMENT 2045 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 494 | Common Collective Trust | — | — | $115.3M | 5.1% | |
| TARGET RETIREMENT 2035 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 04-0025081 / PN 435 | Common Collective Trust | — | — | $93.9M | 4.2% | |
| TARGET RETIREMENT 2025 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 433 | Common Collective Trust | — | — | $86.2M | 3.8% | |
| RUSSELL SMALL CAP INDX NL SF CLK STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 04-0025081 / PN 096 | Common Collective Trust | — | — | $63.2M | 2.8% | |
| TARGET RETIREMENT 2040 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 436 | Common Collective Trust | — | — | $62.9M | 2.8% | |
| RUSSELL LARGE CAP VALUE (R) INDX NL STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 226 | Common Collective Trust | — | — | $59.3M | 2.6% | |
| T. Rowe Price T. Rowe Price Blue Chip Growth Fund I | — | — | — | $56.3M | 2.5% | |
| State Street Global Advisors Cash Series US Government Fund | — | — | — | $55.9M | 2.5% | |
| State Street Global Advisors International Index Fund NL SF CL C | — | — | — | $52.8M | 2.3% | |
| INTL INDX NL SF CL C STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 168 | Common Collective Trust | — | — | $52.8M | 2.3% | |
| TARGET RETIREMENT 2050 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 438 | Common Collective Trust | — | — | $48.6M | 2.2% | |
| TARGET RETIREMENT INCOME NL SH CLM STATE STSTATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 440 | Common Collective Trust | — | — | $39.9M | 1.8% | |
| TARGET RETIREMENT 2055 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 433 | Common Collective Trust | — | — | $35.0M | 1.5% | |
| U.S. BOND INDEX NL SF CL K STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 462 | Common Collective Trust | — | — | $28.0M | 1.2% | |
| TARGET RETIREMENT 2020 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 432 | Common Collective Trust | — | — | $23.2M | 1.0% | |
| Principal Global Investors Principal Midcap Fund R-6 | — | — | — | $23.1M | 1.0% | |
| TARGET RETIREMENT 2060 NL SF CLM STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 197 | Common Collective Trust | — | — | $22.7M | 1.0% | |
| American Beacon Funds American Beacon Large Cap Value Fund R6 | — | — | — | $17.2M | 0.8% | |
| REIT INDX NL SF CL C STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 229 | Common Collective Trust | — | — | $15.7M | 0.7% | |
| U.S. LONG GOVT BOND INDEX SF CL C STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 32-6528132 / PN 051 | Common Collective Trust | — | — | $13.6M | 0.6% | |
| American Funds American Funds EuroPacific Growth Fund R6 | — | — | — | $12.5M | 0.6% | |
| MFS Massachusetts Investors Trust R6 | — | — | — | $10.1M | 0.4% | |
| BlackRock Advisors, LLC Blackrock Advantage Small Cap Core K | — | — | — | $9.3M | 0.4% | |
| U.S. INFLATION PRO BOND INDX SF CL STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 168 | Common Collective Trust | — | — | $8.6M | 0.4% | |
| TARGET RETIREMENT 2065 NL SF CLM STATE STREET GLOBAL ADVISORS TRUST COMPANY · EIN 90-0337987 / PN 439 | Common Collective Trust | — | — | $8.2M | 0.4% | |
| Dodge and Cox Dodge and Cox Income Fund X | — | — | — | $8.0M | 0.4% | |
| Charles Schwab and Company Inc. Self Directed Brokerage Account | — | — | — | $4.9M | 0.2% | |
| JPMorgan Chase U.S. Govt Money Market Fund - Inst Shares - Fund 3915 | — | — | — | $1.4M | <0.1% |