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Original filing (PDF)20251014110014NAL0001255203001
INTEGRATED FINANCIAL SETTLEMENTS
Form 5500
FILING_RECEIVED
INTEGRATED FINANCIAL SETTLEMENTS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
32% in single holdingNo recordkeeper disclosed
Active participants
190
Accounts w/ balance
247
Plan assets (EOY)
$46.7M
Net assets (EOY)
$46.7M
How this plan invests
This plan
1 pooled trust
Schedule D
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
84
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "flexPATH Index Mod Ret Fnd R1 Pooled Separate Account" is 32% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (17 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INTEGRATED FINANCIAL SETTLEMENTS.
Plan sponsor
Name
INTEGRATED FINANCIAL SETTLEMENTS
EIN
20-4029426
Address
5299 DTC BOULEVARD · SUITE 330 · GREENWOOD VILLAGE, CO · 80111
Phone
(720) 399-6749
Industry
Insurance Agencies & Brokerages· Finance & Insurancesee 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
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WIPFLI, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NFP RETIREMENT | — | ALISO VIEJO, CA | NONE | $45K | — |
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $33K | — |
Investments
26 direct securities · 1 pooled fund· $90.1M(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
$46.7M
26 holdings
Pooled Separate Account
$43.4M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MASTER SEPARATE ACCOUNT MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 900 | Pooled Separate Account | — | — | $43.4M | 93.0% | |
| flexPATH Index Mod Ret Fnd R1 Pooled Separate Account | — | — | — | $14.8M | 31.7% | |
| Fidelity 500 Index Pooled Separate Account | — | — | — | $7.0M | 15.0% | |
| flexPATH Index Conserv 2045 R1 Pooled Separate Account ** 191 flexPATH Index Mod 2035 Fd Cl R1 Pooled Separate Account | — | — | — | $5.5M | 11.9% | |
| flexPATH Index Mod 2045 Fd Cl R1 Pooled Separate Account | — | — | — | $2.6M | 5.5% | |
| American Century Ultra R5 Pooled Separate Account | — | — | — | $2.4M | 5.2% | |
| Schwab PCRA Self-Directed Brokerage Account | — | — | — | $1.7M | 3.5% | |
| Vanguard Developed Markets Index Admin Pooled Separate Account | — | — | — | $1.5M | 3.1% | |
| Fidelity US Bond Index Pooled Separate Account | — | — | — | $1.4M | 3.0% | |
| Minnesota Life Guaranteed Return Account Guaranteed Investment Contract | — | — | — | $1.3M | 2.9% | |
| Fidelity Small Cap Index Pooled Separate Account | — | — | — | $1.3M | 2.7% | |
| Fidelity Mid Cap Index Pooled Separate Account | — | — | — | $1.2M | 2.6% | |
| JP Morgan Small Cap Growth Fund Pooled Separate Account | — | — | — | $981K | 2.1% | |
| Large Cap Value CIT Pooled Separate Account | — | — | — | $736K | 1.6% | |
| MFS International Diversification R3 Pooled Separate Account | — | — | — | $657K | 1.4% | |
| flexPATH Index Conserv 2055 R1 Pooled Separate Account ** 656 flexPATH Index Mod 2055 Fd Cl R1 Pooled Separate Account | — | — | — | $652K | 1.4% | |
| JP Morgan MID Cap Growth I Pooled Separate Account | — | — | — | $628K | 1.3% | |
| flexPATH Index Agg 2035 Fd R1 Pooled Separate Account | — | — | — | $593K | 1.3% | |
| Metro West Total Return Bond Admin Pooled Separate Account | — | — | — | $473K | 1.0% | |
| Participant Loans Interest rates ranging from 4.25% and 10.50% $0 | — | — | — | $292K | 0.6% | |
| Principal Real Estate Sec A Pooled Separate Account | — | — | — | $255K | 0.5% | |
| Wells Fargo Special Small Cap Val A Pooled Separate Account | — | — | — | $238K | 0.5% | |
| MFS Mid Cap Value Fund R3 Pooled Separate Account | — | — | — | $226K | 0.5% | |
| DFA Emerging Markets Pooled Separate Account | — | — | — | $174K | 0.4% | |
| flexPATH Index Agg 2055 R1 Pooled Separate Account | — | — | — | $53K | 0.1% | |
| flexPATH Index Agg Retire CIT R1 Pooled Separate Account | — | — | — | $39K | <0.1% | |
| flexPATH Index Agg 2045 R1 Pooled Separate Account | — | — | — | $2K | <0.1% |
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