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Original filing (PDF)20251009114412NAL0003874035001
FAMILY SERVICES, INC.
Form 5500
FILING_RECEIVED
FAMILY SERVICES, INC. 403(B) PLAN
403(b) retirement plan
Signals · 2
~90 bps in Sched C feesNo recordkeeper disclosed
Active participants
213
Accounts w/ balance
249
Plan assets (EOY)
$7.6M
Net assets (EOY)
$7.6M
How this plan invests
This plan
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 90 bps in Schedule C fees — 73% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FAMILY SERVICES, INC..
Plan sponsor
Name
FAMILY SERVICES, INC.
EIN
14-1338399
Address
29 NORTH HAMILTON STREET · POUGHKEEPSIE, NY · 12601
Phone
(845) 452-1110
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2L · 403(b)(1) annuity
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
Audit & trust (Schedule H)
Auditor
PKF O'CONNOR DAVIES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PLAN ADMIN SERVICES LLC | 16-1503696 | HUNTINGDON VALLEY, PA | NONE | $38K | — |
| MARSHALL & STERLING WEALTH ADVISORS | — | POUGHKEEPSIE, NY | NONE | $30K | — |
Investments
32 direct securities· $7.2M(95% of reported assets)
Uncategorized
$5.6M
30 holdings
Mutual Funds
$835K
1 holding
Guaranteed Income / GIC
$781K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| S SHARES VANGUARD TARGET RETIREM'T 2040 | Mutual Funds | — | $19K | $835K | 10.9% | |
| Prudential Guaranteed Income | Guaranteed Income / GIC | — | $26K | $781K | 10.2% | |
| FIDELITY 500 INDEX INST'L PREM | — | — | $4K | $757K | 9.9% | |
| PIMCO INCOME INSTL | — | — | $44K | $465K | 6.1% | |
| T. ROWE PRICE ALL-CAP OPPS I | — | — | $6K | $456K | 6.0% | |
| VANGUARD TARGET RETIREM'T 2045 | — | — | $13K | $390K | 5.1% | |
| VANGUARD EQUITY INCOME ADMIRAL | — | — | $4K | $309K | 4.0% | |
| FIDELITY MID CP IDX INSTL PREM | — | — | $9K | $303K | 4.0% | |
| VANGUARD TARGET RETIREM'T 2050 | — | — | $5K | $239K | 3.1% | |
| VANGUARD TARGET RETIREM'T 2055 | — | — | $4K | $238K | 3.1% | |
| ALLSPRING SPC MIDCAP VAL R6 | — | — | $4K | $181K | 2.4% | |
| EATON VANCE FLOAT RATE I | — | — | $21K | $179K | 2.3% | |
| VANGUARD TARGET RETIREM'T 2020 | — | — | $7K | $175K | 2.3% | |
| DFA US TARGETED VALUE I | — | — | $5K | $173K | 2.3% | |
| VANGUARD TARGET RETIREM'T 2025 | — | — | $9K | $162K | 2.1% | |
| 9.5% with maturities through 2042 | — | — | — | $152K | 2.0% | |
| VANGUARD TARGET RETIREM'T 2030 | — | — | $4K | $142K | 1.9% | |
| VANGUARD TARGET RETIREM'T 2035 | — | — | $6K | $138K | 1.8% | |
| VANGUARD DEV MKTS INDX ADM | — | — | $9K | $138K | 1.8% | |
| VANGUARD TARGET RETIREM'T 2060 | — | — | $3K | $132K | 1.7% | |
| VANGUARD INT'L GROWTH ADMIRAL | — | — | $1K | $131K | 1.7% | |
| DFA INFLATPROTECT SECUR PORTFO | — | — | $11K | $117K | 1.5% | |
| VANGUARD WELLESLEY INCOME ADM | — | — | $2K | $108K | 1.4% | |
| FIDELITY SM CP IDX INSTL PREM | — | — | $4K | $102K | 1.3% | |
| NYLI MACKAY CONVERTIBLE I | — | — | $5K | $96K | 1.3% | |
| VANGUARD TGT RETIREM'T INCOME | — | — | $7K | $95K | 1.2% | |
| AMERICAN FUNDS NEW WORLD R6 | — | — | $1K | $89K | 1.2% | |
| AMERICAN FUNDS NW PRSPCTV R6 | — | — | $1K | $69K | 0.9% | |
| PGIM TOTAL RTRN BOND Q | — | — | $3K | $30K | 0.4% | |
| JANUS HENDERSON TRITON N 853 | — | — | — | $23K | 0.3% | |
| BLACKROCK HIGH YIELD K | — | — | $2K | $12K | 0.2% | |
| AMERICAN FUNDS AM BALANCD R6 311 | — | — | — | $11K | 0.1% |