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Original filing (PDF)20251008165503NAL0003161283001
KSS, INC.
Form 5500
FILING_RECEIVED
KALIBRATE 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Active participants
145
Accounts w/ balance
204
Plan assets (EOY)
$17.0M
Net assets (EOY)
$17.0M
How this plan invests
This plan
1 pooled trust
Schedule D
27 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
- 46 bps in Schedule C fees — 57% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KSS, INC..
Plan sponsor
Name
KSS, INC.
EIN
22-3754429
Address
38695 SEVEN MILE ROAD SUITE 105 · LIVONIA, MI · 48152
Phone
(734) 632-7710
Industry
Custom Computer Programming· 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
2025-10-08
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
KHA ACCOUNTANTS, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $17K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | — | NEW YORK, NY | INVESTMENT ADVISOR | $55K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KHA ACCOUNTANTS PLLC | — | FLOWER MOUND, TX | AUDITOR | $5K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| QDRO CONSULTANTS CO LLC | — | MEDINA, OH | OTHER | $300 | — |
Investments
25 direct securities · 1 pooled fund· $16.0M(94% 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
$15.3M
25 holdings
Common Collective Trust
$748K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock LifePath Index Retire Instl Mutual fund | — | — | — | $2.1M | 12.2% | |
| JPMorgan Large Cap Growth R6 Mutual fund | — | — | — | $1.5M | 9.1% | |
| Columbia Dividend Income Instl 3 Mutual fund | — | — | — | $1.4M | 8.3% | |
| BlackRock LifePath Index 2035 Instl Mutual fund | — | — | — | $1.4M | 8.1% | |
| Fidelity 500 Index Mutual fund | — | — | — | $1.3M | 7.5% | |
| BlackRock LifePath Index 2050 Instl Mutual fund | — | — | — | $1.3M | 7.4% | |
| BlackRock LifePath Index 2045 Instl Mutual fund | — | — | — | $952K | 5.6% | |
| BlackRock LifePath Index 2055 Instl Mutual fund | — | — | — | $886K | 5.2% | |
| BlackRock LifePath Index 2030 Instl Mutual fund | — | — | — | $859K | 5.1% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $748K | 4.4% | |
| BlackRock LifePath Index 2040 Instl Mutual fund | — | — | — | $521K | 3.1% | |
| Fidelity Adv Balanced Z Mutual fund | — | — | — | $493K | 2.9% | |
| BlackRock LifePath Index 2060 Instl Mutual fund | — | — | — | $476K | 2.8% | |
| Fidelity Mid Cap Index Mutual fund | — | — | — | $293K | 1.7% | |
| Harding Loevner International Eq Instl Mutual fund | — | — | — | $279K | 1.6% | |
| Fidelity Small Cap Index Mutual fund | — | — | — | $256K | 1.5% | |
| PGIM Total Return Bond R6 Mutual fund | — | — | — | $243K | 1.4% | |
| Janus Henderson Enterprise I Mutual fund | — | — | — | $214K | 1.3% | |
| BlackRock LifePath Index 2065 Instl Mutual fund | — | — | — | $151K | 0.9% | |
| Allspring Special Small Cap Value R6 Mutual fund | — | — | — | $142K | 0.8% | |
| American Funds New World R6 Mutual fund | — | — | — | $130K | 0.8% | |
| Janus Henderson Triton I Mutual fund | — | — | — | $122K | 0.7% | |
| Lord Abbett Bond Debenture R6 Mutual fund | — | — | — | $114K | 0.7% | |
| Pimco Int Bond (USD-Hedged) Inst Mutual fund | — | — | — | $105K | 0.6% | |
| maturing through 2030 | — | — | — | $68K | 0.4% | |
| BlackRock Impact Mortgage K Mutual fund | — | — | — | $16K | <0.1% |
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