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Original filing (PDF)20250820085543NAL0005313120001
WESTCHESTER INSTITUTE FOR HUMAN DEVELOPMENT
Form 5500
FILING_RECEIVED
WESTCHESTER INSTITUTE FOR HUMAN DEVELOPMENT 403(B) DC PLAN
403(b) retirement plan
Active participants
141
Accounts w/ balance
211
Plan assets (EOY)
$20.9M
Net assets (EOY)
$20.9M
How this plan invests
This plan
1 pooled trust
Schedule D
39 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
- 56 bps in Schedule C fees — 93% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WESTCHESTER INSTITUTE FOR HUMAN DEVELOPMENT.
Plan sponsor
Name
WESTCHESTER INSTITUTE FOR HUMAN DEVELOPMENT
EIN
20-0738248
Address
20 PLAZA WEST · VALHALLA, NY · 10595
Phone
(914) 493-8150
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
2025-08-20
Pension benefit codes
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BRAD S. ROSENBERG CPA PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TIAA-CREF | 13-1624203 | — | RECORDKEEPER | $46K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RJC WEALTH MANAGEMENT, LLC | 45-3569731 | — | ADVISOR | $71K | — |
Investments
38 direct securities · 1 pooled fund· $20.9M(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
$20.9M
38 holdings
Pooled Separate Account
$44K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2040 | — | — | — | $1.8M | 8.7% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2025 | — | — | — | $1.8M | 8.6% | |
| College Retirement Equities Fund variable annuities Vanguard 500 Idx Adm | — | — | — | $1.7M | 8.4% | |
| College Retirement Equities Fund variable annuities Vanguard Wellesley Income Adm | — | — | — | $1.7M | 8.2% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2035 | — | — | — | $1.5M | 7.0% | |
| College Retirement Equities Fund variable annuities TIAA Stable Value | — | — | — | $1.1M | 5.4% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2045 | — | — | — | $1.1M | 5.3% | |
| College Retirement Equities Fund variable annuities Vanguard Growth Index Adm | — | — | — | $1.0M | 4.9% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2030 | — | — | — | $1.0M | 4.9% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2020 | — | — | — | $928K | 4.4% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2050 | — | — | — | $818K | 3.9% | |
| College Retirement Equities Fund variable annuities Vanguard Intr-Trm Treasry Adm | — | — | — | $564K | 2.7% | |
| College Retirement Equities Fund variable annuities Vanguard Mid-Cap Idx Adm | — | — | — | $560K | 2.7% | |
| College Retirement Equities Fund variable annuities TIAA Traditional Non Benefit Responsive | — | — | — | $521K | 2.5% | |
| College Retirement Equities Fund variable annuities Vanguard Devlopd Mkts Idx Adm | — | — | — | $480K | 2.3% | |
| College Retirement Equities Fund variable annuities Vanguard High Div Yld Idx Adm | — | — | — | $445K | 2.1% | |
| College Retirement Equities Fund variable annuities Vanguard Equity Income Adm | — | — | — | $429K | 2.1% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2055 | — | — | — | $383K | 1.8% | |
| College Retirement Equities Fund variable annuities Vanguard Ttl Bd Mkt Idx Adm | — | — | — | $382K | 1.8% | |
| College Retirement Equities Fund variable annuities Vanguard Mid-Cap Value Idx Adm | — | — | — | $359K | 1.7% | |
| College Retirement Equities Fund variable annuities BlackRock High Yield Inst | — | — | — | $267K | 1.3% | |
| College Retirement Equities Fund variable annuities Vanguard Long-Trm Invt Gd Adm | — | — | — | $237K | 1.1% | |
| College Retirement Equities Fund variable annuities Vanguard Small-Cap Idx Adm | — | — | — | $209K | 1.0% | |
| College Retirement Equities Fund variable annuities T Rowe Price Health Sciences | — | — | — | $195K | 0.9% | |
| College Retirement Equities Fund variable annuities Vanguard Small-Cap Grw Idx Adm | — | — | — | $187K | 0.9% | |
| College Retirement Equities Fund variable annuities Vanguard Emr Mkts Stk Idx Adm | — | — | — | $185K | 0.9% | |
| College Retirement Equities Fund variable annuities CREF Money Market R1 | — | — | — | $140K | 0.7% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2060 | — | — | — | $125K | 0.6% | |
| College Retirement Equities Fund variable annuities Vanguard Real Estate Idx Adm | — | — | — | $118K | 0.6% | |
| College Retirement Equities Fund variable annuities Vanguard Intl Growth Adm | — | — | — | $112K | 0.5% | |
| College Retirement Equities Fund variable annuities CREF Stock R1 | — | — | — | $99K | 0.5% | |
| College Retirement Equities Fund variable annuities Lord Abbett Sh Duration Inc I | — | — | — | $83K | 0.4% | |
| College Retirement Equities Fund variable annuities Plan Loan Default Fund | — | — | — | $68K | 0.3% | |
| College Retirement Equities Fund variable annuities Vanguard Dividend Growth Inv | — | — | — | $66K | 0.3% | |
| TIAA REAL ESTATE TIAA · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $44K | 0.2% | |
| College Retirement Equities Fund variable annuities Participant Loan Fund | — | — | — | $28K | 0.1% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire Income | — | — | — | $21K | 0.1% | |
| College Retirement Equities Fund variable annuities Vanguard Target Retire 2065 | — | — | — | $12K | <0.1% | |
| College Retirement Equities Fund variable annuities TIAA Traditional Benefit Responsive 2 | — | — | — | $3K | <0.1% |