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Original filing (PDF)20251014162528NAL0004528048001
SERTIFI
Form 5500
FILING_RECEIVED
SERTIFI PLAN
401(k) retirement plan
Signals · 1
26% in single holding
Active participants
127
Accounts w/ balance
134
Plan assets (EOY)
$9.2M
Net assets (EOY)
$9.2M
How this plan invests
This plan
19 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
87
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard Total Stock Market Index Fund" is 26% of plan.
Helping the score
- Below-peer total fees (31 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SERTIFI.
Plan sponsor
Name
SERTIFI
EIN
20-1017995
Address
222 W MERCHANDISE MART PLAZA · SUITE 2300 · CHICAGO, IL · 60654
Phone
(866) 983-8877
Industry
Professional & Technical Servicessee 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MILLER, COOPER & CO, LTD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| DECIMAL, INC. | — | SAN FRANCISCO, CA | THIRD-PARTY RECORDKEEPER | $11K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR | 36-3297908 | CHICAGO, IL | ADMIN CONSULT | $17K | — |
Investments
19 direct securities· $9.2M(99% of reported assets)
Uncategorized
$9.0M
18 holdings
Mutual Funds
$118K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | — | — | — | $2.4M | 25.6% | |
| Vanguard Developed Markets Index Fund | — | — | — | $1.3M | 14.5% | |
| Vanguard Total Bond Market Index Fund | — | — | — | $1.0M | 10.9% | |
| Vanguard Mega Cap Growth Index Fund | — | — | — | $922K | 10.0% | |
| Vanguard Mega Cap Value Index Fund | — | — | — | $761K | 8.3% | |
| Vanguard Mid-Cap Index Fund | — | — | — | $727K | 7.9% | |
| Vanguard Emerging Markets Stock Index Fund | — | — | — | $555K | 6.0% | |
| Vanguard Small-Cap Value Index Fund | — | — | — | $253K | 2.7% | |
| Vanguard Small-Cap Index Fund | — | — | — | $252K | 2.7% | |
| SPDR Dow Jones Global Real Estate | — | — | — | $144K | 1.6% | |
| Schwab U.S. TIPs | — | — | — | $129K | 1.4% | |
| Money Market (held by Matrix Trust Company) Matrix Pimco Government Money Market Fund ** $ | — | — | — | $125K | 1.4% | |
| s (held by Matrix Trust Company) iShares High Yield Corporate Bond | Mutual Funds | — | — | $118K | 1.3% | |
| Vanguard Long-Term Bond Index Fund | — | — | — | $101K | 1.1% | |
| Vanguard Short-Term Bond Index Fund | — | — | — | $100K | 1.1% | |
| Vanguard Emerging Markets Government Bond | — | — | — | $89K | 1.0% | |
| Notes receivables from participants (Interest at 5.25% to 10.50%) | — | — | — | $87K | 0.9% | |
| Vanguard Short-Term Corporate Bond Index Fund | — | — | — | $79K | 0.9% | |
| iShares International Treasury Bond ** 235 PIMCO 1-5 Year U.S. TIPs | — | — | — | $19K | 0.2% |
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