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Original filing (PDF)20250714055553NAL0001196432001
KERN, INC.
Form 5500
FILING_RECEIVED
KERN, INC. 401(K) PLAN
401(k) retirement plan
Active participants
143
Accounts w/ balance
180
Plan assets (EOY)
$12.4M
Net assets (EOY)
$12.4M
How this plan invests
This plan
24 pooled trusts
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
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 42 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KERN, INC..
Plan sponsor
Name
KERN, INC.
EIN
22-3538481
Address
3940 GANTZ ROAD, SUITE A · GROVE CITY, OH · 43123
Phone
(614) 317-2572
Industry
All Other Professional Services· 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
2025-07-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PLANCHECK CPAS LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA FINANCIAL LIFE INSURAN | 36-6071399 | — | RECORDKEEPER | $52K | — |
Investments
26 direct securities · 24 pooled funds· $23.0M(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
$12.3M
26 holdings
Pooled Separate Account
$10.7M
24 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $2.4M | 19.4% | |
| FIDELITY ADVISOR TOTAL BOND RET ACC TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 203 | Pooled Separate Account | — | — | $2.4M | 19.4% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $1.8M | 14.6% | |
| FIDELITY ADVISOR NEW INSIGHTS RET TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 944 | Pooled Separate Account | — | — | $1.8M | 14.6% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $1.6M | 12.8% | |
| TA VANGUARD TOTAL STCK MRKT INDEX TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 166 | Pooled Separate Account | — | — | $1.6M | 12.8% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $1.6M | 12.5% | |
| PUTNAM LARGE CAP VALUE RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 957 | Pooled Separate Account | — | — | $1.6M | 12.5% | |
| TRANSAMERICA STABLE VALUE CORE | — | — | — | $1.3M | 10.3% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $537K | 4.3% | |
| STATE STREET RUSSELL SM CAP VAL IND TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 355 | Pooled Separate Account | — | — | $537K | 4.3% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $434K | 3.5% | |
| AMERICAN FUNDS NEW PERSPECTIVE RET TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 255 | Pooled Separate Account | — | — | $434K | 3.5% | |
| PARTICIPANT NOTES RECEIVABLE | — | — | — | $376K | 3.0% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $342K | 2.8% | |
| FIDELITY ADVISOR INTL CAP APPRECIAT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 202 | Pooled Separate Account | — | — | $342K | 2.8% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $311K | 2.5% | |
| JANUS HENDERSON ENTERPRISE RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 881 | Pooled Separate Account | — | — | $311K | 2.5% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $285K | 2.3% | |
| DWS RREEF REAL ESTATE SECS RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 026 | Pooled Separate Account | — | — | $285K | 2.3% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $275K | 2.2% | |
| NYLI MACKAY HIGH YD CORP BD RET ACC TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 347 | Pooled Separate Account | — | — | $275K | 2.2% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $261K | 2.1% | |
| BNY MELLON GLOBAL FIXED INCOME RET TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 761 | Pooled Separate Account | — | — | $261K | 2.1% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $236K | 1.9% | |
| AMERICAN FUNDS NEW WORLD RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 625 | Pooled Separate Account | — | — | $236K | 1.9% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $143K | 1.2% | |
| TRANSAMERICARETONTRK 2035 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 689 | Pooled Separate Account | — | — | $143K | 1.2% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $99K | 0.8% | |
| TRANSAMERICARETONTRK 2060 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 817 | Pooled Separate Account | — | — | $99K | 0.8% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $73K | 0.6% | |
| TRANSAMERICARETONTRK 2055 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 693 | Pooled Separate Account | — | — | $73K | 0.6% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $68K | 0.5% | |
| TRANSAMERICARETONTRK 2030 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 688 | Pooled Separate Account | — | — | $68K | 0.5% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $63K | 0.5% | |
| TRANSAMERICARETONTRK 2050 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 692 | Pooled Separate Account | — | — | $63K | 0.5% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $49K | 0.4% | |
| TRANSAMERICARETONTRK 2045 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 691 | Pooled Separate Account | — | — | $49K | 0.4% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $47K | 0.4% | |
| TRANSAMERICARETONTRK 2040 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 690 | Pooled Separate Account | — | — | $47K | 0.4% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $28K | 0.2% | |
| JPMORGAN CORE PLUS BOND RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 117 | Pooled Separate Account | — | — | $28K | 0.2% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $19K | 0.2% | |
| TRANSAMERICARETONTRK 2020 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 686 | Pooled Separate Account | — | — | $19K | 0.2% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $13K | 0.1% | |
| TRANSAMERICA RETIREONTRK 2065 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 402 | Pooled Separate Account | — | — | $13K | 0.1% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $12K | 0.1% | |
| TRANSAMERICARETONTRK 2025 TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6081399 / PN 687 | Pooled Separate Account | — | — | $12K | 0.1% | |
| TRANSAMERICA LIFE INSURANCE CO | — | — | — | $6K | <0.1% | |
| HARTFORD SCHRODERS INTERN'L STOCK TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 287 | Pooled Separate Account | — | — | $6K | <0.1% |
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