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Original filing (PDF)20251009100108NAL0011216928001
GREATER OPPORTUNITIES
Form 5500
FILING_RECEIVED
GREATER OPPORTUNITIES 403(B) PLAN
403(b) retirement plan
Signals · 1
~86 bps in Sched C fees
Active participants
130
Accounts w/ balance
106
Plan assets (EOY)
$4.9M
Net assets (EOY)
$4.9M
How this plan invests
This plan
24 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
- 86 bps in Schedule C fees — 66% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GREATER OPPORTUNITIES.
Plan sponsor
Name
GREATER OPPORTUNITIES
EIN
16-0909190
Address
44 WEST MAIN STREET · NORWICH, NY · 13815
Phone
(607) 334-7114
Industry
Health Care & Social Assistancesee 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
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
EFPR GROUP, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | RECORDKEEPER | $19K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MILESTONE CONSULTANTS | 47-2374702 | WHITNEY POINT, NY | INVST ADVISOR | $20K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RIMKUS, MARCIANO & ASSOCIATES | 22-2725182 | ROCHESTER, NY | TPA | $3K | — |
Investments
24 direct securities· $4.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2030 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $1.1M | 22.6% | |
| American Funds 2025 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $716K | 14.7% | |
| American Funds 2045 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $650K | 13.4% | |
| American Funds 2040 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $505K | 10.4% | |
| AllianceBernstein Large Cap Growth Fund Advisor Class Mutual fund | — | — | — | $378K | 7.8% | |
| American Funds 2035 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $363K | 7.5% | |
| American Funds 2020 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $195K | 4.0% | |
| American Funds 2050 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $164K | 3.4% | |
| American Funds 2015 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $133K | 2.7% | |
| American Funds American Balanced Fund Class R-6 Mutual fund | — | — | — | $105K | 2.2% | |
| American Funds 2060 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $95K | 1.9% | |
| maturing through December 2027 | — | — | — | $90K | 1.9% | |
| American Funds New Perspective Fund Class R-6 Mutual fund | — | — | — | $72K | 1.5% | |
| JPMorgan Core Plus Bond Fund Class R-6 Mutual fund | — | — | — | $71K | 1.5% | |
| American Funds 2055 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $70K | 1.4% | |
| PIMCO International Bond Fund Institutional Class Mutual fund | — | — | — | $32K | 0.7% | |
| Virtus KAR Mid-Cap Core Fund Mutual fund | — | — | — | $30K | 0.6% | |
| American Funds 2065 Target Retirement Date Class R-6 Mutual fund | — | — | — | $25K | 0.5% | |
| Hood River Small-Cap Growth Fund Mutual fund | — | — | — | $24K | 0.5% | |
| American Funds New World Fund Class R-6 Mutual fund | — | — | — | $23K | 0.5% | |
| Vanguard Wellesley Income Fund Admiral Shares Mutual fund | — | — | — | $8K | 0.2% | |
| Nationwide Best of America Fixed return product | — | — | — | $6K | 0.1% | |
| Federated Hermes Government Obligations Fund Mutual fund | — | — | — | $3K | <0.1% | |
| American Funds 2010 Target Date Retirement Fund Class R-6 Mutual fund | — | — | — | $3K | <0.1% |