Original filing (PDF)20251014124536NAL0003967984001

CARLOW UNIVERSITY

Name: CARLOW UNIVERSITY — CARLOW UNIVERSITY DEFINED CONTRIBUTION PLAN, Form 5500 (2024)
Creator: CARLOW UNIVERSITY

Form 5500

FILING_RECEIVED

CARLOW UNIVERSITY DEFINED CONTRIBUTION PLAN

403(b) retirement plan

Active participants

369

Accounts w/ balance

680

Plan assets (EOY)

$56.1M

Net assets (EOY)

$56.1M

How this plan invests

This plan

1 pooled trust

Schedule D

63 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

100

/ 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

100

Vendor stack

100

Participation health

100

Helping the score

Below-peer total fees (5 bps vs 16 bps peer median).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARLOW UNIVERSITY.

Plan sponsor

Name

CARLOW UNIVERSITY

EIN

25-0965438

Address

3333 5TH AVENUE · PITTSBURGH, PA · 152133109

Phone

(412) 578-6000

Industry

Educational 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

2025-10-14

Pension benefit codes

2G · Total participant-directed accounts

2L · 403(b)(1) annuity

2M · 403(b)(7) custodial accounts

2F · ERISA section 404(c)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

CLIFTONLARSONALLEN LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
TIAA	13-1624203	—	RECORDKEEPER	$750	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
GLOBAL RETIREMENT PARTNERS, LLC	47-1411118	—	ADVISOR	$30K	—

Investments

62 direct securities · 1 pooled fund· $56.1M(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

$55.3M

62 holdings

Pooled Separate Account

$794K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
TIAA Traditional Annuity - Non-Benefit Responsive	—	—	—	$11.8M	21.0%
CREF Stock Fund R2	—	—	—	$6.3M	11.2%
TIAA-CREF Lifecycle Index 2035 Retirement Fund	—	—	—	$3.0M	5.4%
TIAA-CREF Lifecycle Index 2045 Retirement Fund	—	—	—	$2.8M	4.9%
TIAA-CREF Lifecycle Index 2040 Retirement Fund	—	—	—	$2.6M	4.6%
TIAA-CREF Lifecycle Index 2025 Retirement Fund	—	—	—	$2.4M	4.2%
CREF Growth Fund R2	—	—	—	$2.1M	3.7%
iShares S&P 500 Index Service	—	—	—	$2.0M	3.6%
TIAA-CREF Lifecycle Index 2030 Retirement Fund	—	—	—	$1.9M	3.4%
CREF Social Choice Fund R2	—	—	—	$1.6M	2.9%
CREF Equity Index Fund R2	—	—	—	$1.4M	2.5%
CREF Global Equities Fund R2	—	—	—	$1.4M	2.5%
TIAA Traditional Annuity - Benefit Responsive	—	—	—	$1.2M	2.2%
TIAA-CREF Lifecycle Index 2050 Retirement Fund	—	—	—	$1.2M	2.2%
TIAA-CREF Lifecycle Index 2020 Retirement Fund	—	—	—	$1.1M	2.0%
Federated Total Return Bond Inst	—	—	—	$898K	1.6%
TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004	Pooled Separate Account	—	—	$794K	1.4%
TIAA-CREF Lifecycle Index 2015 Retirement Fund	—	—	—	$767K	1.4%
T. Rowe Price Overseas Stock	—	—	—	$765K	1.4%
TIAA Stable Value	—	—	—	$686K	1.2%
CREF Money Market Fund R2	—	—	—	$618K	1.1%
CREF Core Bond Fund R2	—	—	—	$583K	1.0%
Delaware Small-Cap Core Fund Inst	—	—	—	$572K	1.0%
Columbia Dividend Income Inst	—	—	—	$562K	1.0%
AllianceBernstein Large-Cap Growth Fund Z	—	—	—	$560K	1.0%
TIAA Access Lifecycle 2050	—	—	—	$507K	0.9%
American Century Mid-Cap Value	—	—	—	$459K	0.8%
TIAA Access Lifecycle 2045	—	—	—	$439K	0.8%
TIAA-CREF Lifecycle Index 2055 Retirement Fund	—	—	—	$406K	0.7%
TIAA Access Lifecycle 2025	—	—	—	$401K	0.7%
TIAA-CREF Lifecycle Index 2060 Retirement Fund	—	—	—	$393K	0.7%
Columbia Mid-Cap Index Inst	—	—	—	$337K	0.6%
American Funds New World R5E	—	—	—	$321K	0.6%
TIAA Access Lifecycle 2030	—	—	—	$299K	0.5%
TIAA Access International Equity	—	—	—	$261K	0.5%
TIAA Access Lifecycle 2040	—	—	—	$247K	0.4%
TIAA Access Large-Cap Value	—	—	—	$242K	0.4%
CREF Inflation-Linked Bond Fund R2	—	—	—	$240K	0.4%
TIAA Access Bond T4	—	—	—	$240K	0.4%
TIAA Access Mid-Cap Value	—	—	—	$239K	0.4%
TIAA Access Lifecycle 2035	—	—	—	$196K	0.3%
Federated Inst High Yield Bond	—	—	—	$136K	0.2%
TIAA Access Real Estate Securities	—	—	—	$116K	0.2%
TIAA Access Mid-Cap Growth	—	—	—	$102K	0.2%
TIAA Access Small-Cap Equity	—	—	—	$101K	0.2%
Participant Loans	—	—	—	$94K	0.2%
TIAA-CREF Lifecycle Index 2010 Retirement Fund	—	—	—	$94K	0.2%
TIAA Access Small-Cap Index	—	—	—	$93K	0.2%
TIAA Access Social Choice Equity	—	—	—	$91K	0.2%
TIAA Access Lifecycle 2010	—	—	—	$86K	0.2%
TIAA Access Equity Index	—	—	—	$83K	0.1%
Carillon Eagle Mid-Cap Growth Fund	—	—	—	$68K	0.1%
AllianceBernstein Bond Inflation Strategy Portfolio	—	—	—	$60K	0.1%
TIAA Access Lifecycle 2020	—	—	—	$60K	0.1%
TIAA Access Large-Cap Growth	—	—	—	$42K	<0.1%
TIAA Access Inflation-Linked Bond	—	—	—	$21K	<0.1%
PGIM Global Total Return	—	—	—	$14K	<0.1%
TIAA-CREF Lifecycle Index 2065 Retirement Fund	—	—	—	$11K	<0.1%
TIAA Access Equity Index	—	—	—	$10K	<0.1%
TIAA Access Lifecycle 2055	—	—	—	$9K	<0.1%
TIAA Access Lifecycle 2060	—	—	—	$9K	<0.1%
TIAA Access Bond Plus	—	—	—	$3K	<0.1%
TIAA Access Money Market	—	—	—	$2K	<0.1%