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Original filing (PDF)20251001132158NAL0031703730001
PCS FOR PEOPLE
Form 5500
FILING_RECEIVED
PCS FOR PEOPLE INC 401(K) PLAN
401(k) retirement plan
Signals · 1
45% in single holding
Active participants
114
Accounts w/ balance
200
Plan assets (EOY)
$1.8M
Net assets (EOY)
$1.8M
How this plan invests
This plan
15 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
78
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard Total Stock Market Index Admiral" is 45% of plan.
- 64 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PCS FOR PEOPLE.
Plan sponsor
Name
PCS FOR PEOPLE
EIN
26-2066045
Address
2492 DOSWELL AVE · SAINT PAUL, MN · 55108
Phone
(317) 495-4247
Industry
Retail Tradesee 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
2025-10-01
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HUMAN INTEREST ADVISOR LLC | 47-4307706 | SAN FRANCISCO, CA | RECORDKEEPER | $11K | — |
Investments
15 direct securities· $1.7M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Admiral | — | — | — | $783K | 44.4% | |
| Vanguard Total International Stock Index Admiral | — | — | — | $463K | 26.3% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $189K | 10.7% | |
| Vanguard Real Estate Index Admiral | — | — | — | $135K | 7.7% | |
| Vanguard Total International Bond Index Admiral | — | — | — | $86K | 4.9% | |
| TIAA-CREF Core Impact Bond Fund 389 Vanguard 500 Index Admiral | — | — | — | $20K | 1.2% | |
| Participants Participant Loans Rates from 5.25% to 9.50% - | — | — | — | $13K | 0.7% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $9K | 0.5% | |
| Vanguard Value Index Admiral | — | — | — | $9K | 0.5% | |
| Vanguard Interm-Term Bond Index 35 Vanguard Mid-Cap Growth Index Admiral 7 Vanguard Mid-Cap Value Index Admiral | — | — | — | $9K | 0.5% | |
| DFA Emerging Markets Small Cap I | — | — | — | $9K | 0.5% | |
| DFA Emerging Markets Value I 1 DFA Global Real Estate Securities | — | — | — | $8K | 0.5% | |
| Vanguard Short-Term Inflation-Protected Securities Index Admiral | — | — | — | $6K | 0.3% | |
| Vanguard Developed Markets Index | — | — | — | $2K | 0.1% | |
| Vanguard Federal Money Market Investor | — | — | — | $1K | <0.1% |
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