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Original filing (PDF)20251010151353NAL0004740835001
IDT CORPORATION
Form 5500
FILING_RECEIVED
IDT CORPORATION 401(K) PLAN
401(k) retirement plan
Signals · 1
7 service providers
Active participants
646
Accounts w/ balance
1,685
Plan assets (EOY)
$182.3M
Net assets (EOY)
$182.3M
How this plan invests
This plan
1 pooled trust
Schedule D
28 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
- 27 bps in Schedule C fees — 172% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for IDT CORPORATION.
Plan sponsor
Name
IDT CORPORATION
EIN
22-3312700
Address
520 BROAD ST. · NEWARK, NJ · 07102
Phone
(973) 438-4448
Industry
Information / Tech / Mediasee 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
2025-10-10
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)
2H · Partial participant-directed accounts
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $442K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FISHER INVESTMENTS | 20-2480800 | — | ADVISOR | $8K | — |
Broker
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHARLES SCHWAB & CO., INC | 94-1737782 | — | SECURITIES BROKER | $2K | — |
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
| OBERON SECURITIES, LLC | — | NEW YORK, NY | BROKER | $0 | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STATE STREET BANK AND TRUST CO. | 04-1867445 | — | TRUSTEE | $26K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ZWICK CPA, PLLC | 38-3187343 | — | AUDITOR | $18K | — |
Investments
28 direct securities · 1 pooled fund· $213.9M(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
$181.2M
28 holdings
Common Collective Trust
$32.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TRANSAMERICA RET SOLUTIONS CT TRANSAMERICA RET SOLUTIONS CORP · EIN 04-6784256 / PN 001 | Common Collective Trust | — | — | $32.7M | 17.9% | |
| Vanguard Institutional Index I Fund " | — | — | — | $28.6M | 15.7% | |
| Vanguard Growth Index I Fund " | — | — | — | $23.1M | 12.7% | |
| Vanguard Mid Cap Index I Fund " | — | — | — | $16.3M | 8.9% | |
| IDT Corporation Stock Fund Company common stock | — | — | — | $14.1M | 7.7% | |
| Transamerica Guaranteed Investment Option Guaranteed insurance contract | — | — | — | $10.5M | 5.7% | |
| Vanguard Interm- Term Bond Index I Fund " | — | — | — | $8.8M | 4.8% | |
| Personal Choice Retirement Fund Self directed brokerage account | — | — | — | $8.3M | 4.6% | |
| T. Rowe Price New Horizons Fund " | — | — | — | $8.3M | 4.5% | |
| Transamerica LifeGoal (SM) 2035 Fund " | — | — | — | $7.7M | 4.2% | |
| American Funds EuroPacific Growth R4 Fund Mutual fund | — | — | — | $7.5M | 4.1% | |
| Transamerica LifeGoal(SM) 2040 Fund " | — | — | — | $6.8M | 3.7% | |
| MFS Value R3 Fund " | — | — | — | $6.5M | 3.6% | |
| Victory Sycamore Small Company Opportunity I Fund " | — | — | — | $4.8M | 2.6% | |
| Transamerica LifeGoal(SM) 2030 Fund " | — | — | — | $4.6M | 2.5% | |
| Transamerica LifeGoal (SM) 2045 Fund " | — | — | — | $3.9M | 2.2% | |
| Transamerica LifeGoal (SM) 2025 Fund Common collective trust | — | — | — | $3.2M | 1.7% | |
| Transamerica LifeGoal (SM) Retirement Fund " | — | — | — | $2.5M | 1.4% | |
| Participant Loans (4.25% - 9.50%) - | — | — | — | $2.1M | 1.2% | |
| Vanguard Real Estate Index Admiral Fund " | — | — | — | $2.1M | 1.2% | |
| Vanguard Total International Stock Index Admiral Fund " | — | — | — | $2.0M | 1.1% | |
| Victory Sycamore Established Value A Fund " | — | — | — | $1.9M | 1.1% | |
| BlackRock High Yield Portfolio Institutional Fund " | — | — | — | $1.8M | 1.0% | |
| Vanguard Inflation Protected Securities Admiral Fund " | — | — | — | $1.6M | 0.9% | |
| Transamerica LifeGoal(SM) 2050 Fund " | — | — | — | $1.6M | 0.9% | |
| Transamerica LifeGoal (SM) 2055 Fund " | — | — | — | $1.4M | 0.8% | |
| Transamerica LifeGoal(SM) 2060 Fund " | — | — | — | $867K | 0.5% | |
| Transamerica LifeGoal (SM) 2065 Fund " | — | — | — | $34K | <0.1% | |
| State Street Institutional US Government Money Market Premier Fund " | — | — | — | $16K | <0.1% |