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Original filing (PDF)20251009194101NAL0007473153001
CARDINAL SYSTEMS, INC.
Form 5500
FILING_RECEIVED
CARDINAL SYSTEMS INC 401(K) PLAN
401(k) retirement plan
Active participants
210
Accounts w/ balance
250
Plan assets (EOY)
$15.7M
Net assets (EOY)
$15.7M
How this plan invests
This plan
24 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
- 59 bps in Schedule C fees — 104% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARDINAL SYSTEMS, INC..
Plan sponsor
Name
CARDINAL SYSTEMS, INC.
EIN
23-2078490
Address
250 ROUTE 61 S · SCHUYLKILL HAVEN, PA · 179729708
Phone
(570) 385-1244
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
RKL LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $36K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ INVESTMENT ADVISORY SERVICES L | — | CLEVELAND, OH | INVESTMENT ADVISOR | $30K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ BENEFITS & INS SERVICES INC | — | CINCINNATI, OH | CONTRACT ADMIN | $27K | — |
Investments
24 direct securities· $15.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock Total Return K | — | — | — | $3.4M | 21.4% | |
| Fidelity Investments Fidelity 500 Index | — | — | — | $1.8M | 11.7% | |
| American Funds American Funds Europacific Gr R6 | — | — | — | $1.3M | 8.2% | |
| Vanguard Target Retirement 2050 Inv | — | — | — | $958K | 6.1% | |
| Investment Contract with Insurance Company * Empower Annuity Insurance Company EI Fixed Account - Series Class III | — | — | — | $945K | 6.0% | |
| Vanguard Equity Income ADM | — | — | — | $928K | 5.9% | |
| MFS Mid Cap Growth R6 | — | — | — | $894K | 5.7% | |
| Fidelity Investments Fidelity Small Cap Index | — | — | — | $889K | 5.7% | |
| Fidelity Investments Fidelity Mid Cap Index | — | — | — | $788K | 5.0% | |
| Vanguard Target Retirement 2045 Inv | — | — | — | $780K | 5.0% | |
| PGIM Investments PGIM High-Yield R6 | — | — | — | $740K | 4.7% | |
| Vanguard Target Retirement 2055 Inv | — | — | — | $630K | 4.0% | |
| Vanguard Target Retirement 2060 Inv | — | — | — | $515K | 3.3% | |
| American Funds American Funds New World R6 | — | — | — | $360K | 2.3% | |
| Vanguard Target Retirement 2065 Inv | — | — | — | $239K | 1.5% | |
| Participant Loans 4.25% to 9.50% | — | — | — | $231K | 1.5% | |
| Franklin Templeton Investments Putnam Small Cap Growth R6 | — | — | — | $96K | 0.6% | |
| JPMorgan Mid Cap Growth R6 | — | — | — | $87K | 0.6% | |
| Registered Investment Companies AllianceBernstein AB Large Cap Growth Z | — | — | — | $50K | 0.3% | |
| Vanguard Target Retirement 2025 Inv | — | — | — | $41K | 0.3% | |
| Dimensional Fund Advisors DFA US Targeted Value I | — | — | — | $21K | 0.1% | |
| Fidelity Investments Fidelity International Index | — | — | — | $17K | 0.1% | |
| Vanguard Target Retirement 2070 Inv | — | — | — | $8K | <0.1% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $2K | <0.1% |
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