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Original filing (PDF)20250918075123NAL0001475152001
EDUCATION AFFILIATES, INC.
Form 5500
FILING_RECEIVED
EDUCATION AFFILIATES, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,552
Accounts w/ balance
1,843
Plan assets (EOY)
$46.7M
Net assets (EOY)
$46.7M
How this plan invests
This plan
30 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
- 63 bps in Schedule C fees — 116% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EDUCATION AFFILIATES, INC..
Plan sponsor
Name
EDUCATION AFFILIATES, INC.
EIN
20-1720350
Address
5026-D CAMPBELL ROAD · BALTIMORE, MD · 21236
Phone
(410) 633-2929
Industry
Educational 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
2025-09-18
Pension benefit codes
2S · Automatic enrollment
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
ALMICH & ASSOCIATES
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GREENSPRING ADVISORS | 82-5320133 | — | INVESTMENT ADVISORY | $40K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $153K | — |
| ORENDA RETIREMENT LLC | 36-4877979 | — | CONTRACT ADMINISTRATOR | $75K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMICH & ASSOCIATES | 33-0526284 | — | ACCOUNTANT | $23K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
30 direct securities· $46.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2045 Fund Mutual Fund | — | — | — | $8.8M | 18.9% | |
| Vanguard Target Retirement 2035 Fund Mutual Fund | — | — | — | $7.8M | 16.6% | |
| Vanguard Target Retirement 2025 Fund Mutual Fund | — | — | — | $5.0M | 10.7% | |
| Vanguard Target Retirement 2030 Fund Mutual Fund | — | — | — | $3.8M | 8.1% | |
| Vanguard Target Retirement 2040 Fund Mutual Fund | — | — | — | $2.2M | 4.8% | |
| Vanguard 500 Index Fund (Admiral) Mutual Fund | — | — | — | $2.1M | 4.4% | |
| Vanguard Growth Index Adm Fund Mutual Fund | — | — | — | $2.0M | 4.2% | |
| Prinicpal Fixed Inc Guar Option * Group Annuity Contact | — | — | — | $1.9M | 4.0% | |
| Vanguard Mid-Cap Index Fund (Admiral) Mutual Fund | — | — | — | $1.7M | 3.6% | |
| Vanguard Target Retirement 2050 Fund Mutual Fund | — | — | — | $1.2M | 2.6% | |
| Vanguard Balanced Index Admiral Fund Mutual Fund | — | — | — | $1.1M | 2.4% | |
| Vanguard Target Retirement 2020 Fund Mutual Fund | — | — | — | $1.0M | 2.2% | |
| Vanguard Target Retirement 2055 Fund Mutual Fund | — | — | — | $1.0M | 2.1% | |
| Vanguard Interm Term Inv Grade Mutual Fund | — | — | — | $954K | 2.0% | |
| Participant Loans (maturing through February 2030) * Interest rates: 4.25 - 9.5% | — | — | — | $952K | 2.0% | |
| Vanguard Small-Cap Index (Admiral) Mutual Fund | — | — | — | $858K | 1.8% | |
| Vanguard Total Wld St Idx Adm Mutual Fund | — | — | — | $804K | 1.7% | |
| Vanguard Equity Income - ADM Mutual Fund | — | — | — | $781K | 1.7% | |
| Vanguard Target Retirement Fund Mutual Fund | — | — | — | $656K | 1.4% | |
| Vanguard FTSE Soc Idx Adm Fd Mutual Fund | — | — | — | $348K | 0.7% | |
| DFA Emerging Markets Core Equity Fund Mutual Fund | — | — | — | $348K | 0.7% | |
| Vanguard Target Retirement 2060 Fund Mutual Fund | — | — | — | $347K | 0.7% | |
| DFA International Core Equity Mutual Fund | — | — | — | $316K | 0.7% | |
| Vanguard Small-Cap Growth Index (Admiral) Mutual Fund | — | — | — | $304K | 0.7% | |
| Prinicpal Real Estate Securities R6 * Mutual Fund | — | — | — | $266K | 0.6% | |
| Vanguard Target Retirement 2065 Fund Mutual Fund | — | — | — | $134K | 0.3% | |
| ASSETS HELD AT END OF YEAR (E) | — | — | — | $44K | <0.1% | |
| Vanguard Total Intl Bnd Mutual Fund | — | — | — | $44K | <0.1% | |
| ASSETS HELD AT END OF YEAR (E) | — | — | — | $28K | <0.1% | |
| Vanguard Target Retirement 2070 Fund Mutual Fund | — | — | — | $28K | <0.1% |
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