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Original filing (PDF)20250911192135NAL0002019346001
MONTCLAIR RADIOLOGICAL ASSOCIATES, PA
Form 5500
FILING_RECEIVED
M.R.A. PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
36% in single holding
Active participants
14
Accounts w/ balance
80
Plan assets (EOY)
$16.6M
Net assets (EOY)
$16.6M
How this plan invests
This plan
3 pooled trusts
Schedule D
14 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
82
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "BlackRock LifePath Index 2040 Fund Class K Shares" is 36% of plan.
- 46 bps in Schedule C fees — 58% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MONTCLAIR RADIOLOGICAL ASSOCIATES, PA.
Plan sponsor
Name
MONTCLAIR RADIOLOGICAL ASSOCIATES, PA
EIN
22-1896362
Address
PO BOX 43023 · UPPER MONTCLAIR, NJ · 07043
Phone
(973) 575-9191
Industry
Offices of Physicians· 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
2025-09-11
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2H · Partial 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
GELTRUDE & COMPANY, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALLIANCEBERNSTEIN LP | — | NASHVILLE, TN | INVESTMENT ADVISOR | $76K | — |
Investments
14 direct securities · 3 pooled funds· $16.3M(98% 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
$16.3M
14 holdings
Common Collective Trust
$0
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock LifePath Index 2040 Fund Class K Shares | — | — | — | $5.8M | 35.0% | |
| BlackRock LifePath Index 2035 Fund Class K Shares | — | — | — | $3.4M | 20.7% | |
| BlackRock LifePath Index Retirement Class K Shares | — | — | — | $1.8M | 10.7% | |
| BlackRock LifePath Index 2050 Fund Class K Shares | — | — | — | $1.5M | 9.0% | |
| BlackRock LifePath Index 2030 Fund Class K Shares | — | — | — | $1.0M | 6.3% | |
| Fidelity 500 Index Fund | — | — | — | $982K | 5.9% | |
| BlackRock LifePath Index 2045 Fund Class K Shares | — | — | — | $841K | 5.1% | |
| BlackRock LifePath Index 2055 Fund Class K Shares | — | — | — | $317K | 1.9% | |
| Fidelity U.S. Bond Index Fund | — | — | — | $229K | 1.4% | |
| BlackRock LifePath Index 2060 Fund Class K Shares | — | — | — | $146K | 0.9% | |
| Fidelity Inflation-Protected Bond Index Fund | — | — | — | $104K | 0.6% | |
| Empower Investment Fixed Account * Empower Annuity Insurance Company of America EI Fixed Account Series Class I | — | — | — | $87K | 0.5% | |
| March 2029 $ - | — | — | — | $41K | 0.2% | |
| Fidelity Global ex U.S. Index Fund | — | — | — | $26K | 0.2% | |
| AB US LARGE CAP GROWTH CIT W SERIES AST WILMINGTON TRUST · EIN 38-4116831 / PN 509 | Common Collective Trust | — | — | $0 | <0.1% | |
| AB US SMALL & MID CAP GR W SERIES C AST WILMINGTON TRUST · EIN 38-4116868 / PN 999 | Common Collective Trust | — | — | $0 | <0.1% | |
| AB US SMALL & MID CAP GR W SERIES C AST WILMINGTON TRUST · EIN 38-4116871 / PN 999 | Common Collective Trust | — | — | $0 | <0.1% |
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