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Original filing (PDF)20250904140140NAL0010072515001
RELIANCE FIRST CAPITAL, LLC
Form 5500
FILING_RECEIVED
RELIANCE FIRST CAPITAL, LLC EMPLOYEES SAVINGS TRUST
401(k) retirement plan
Signals · 2
30% in single holding6 service providers
Active participants
262
Accounts w/ balance
198
Plan assets (EOY)
$27.3M
Net assets (EOY)
$27.3M
How this plan invests
This plan
25 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
85
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "[DFE: BLACKROCK EQUITY INDEX FUND (extraction pending)]" is 30% of plan.
- 49 bps in Schedule C fees — 69% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RELIANCE FIRST CAPITAL, LLC.
Plan sponsor
Name
RELIANCE FIRST CAPITAL, LLC
EIN
26-2261031
Address
201 OLD COUNTRY ROADSUITE 205 · MELVILLE, NY · 11747
Phone
(516) 422-8888
Industry
Finance & Insurancesee 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
2025-09-04
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
RICHEY MAY & CO. LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $41K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RAYMOND JAMES & ASSOCIATES INC | — | ST PETERSBURG, FL | INVESTMENT ADVISOR | $57K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ERISA FIDUCIARY SERVICES INC | — | MELVILLE, NY | CONTRACT ADMIN | $10K | — |
Accountant / Auditor
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RICHEY MAY & CO LLP | — | ENGLEWOOD, CO | AUDITOR | $11K | — |
| MCGLADREY LLP | — | CHICAGO, IL | AUDITOR | $5K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $10K | — |
Investments
1 direct security · 25 pooled funds· $25.4M(93% 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.
Common Collective Trust
$25.3M
25 holdings
Uncategorized
$87K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BLACKROCK EQUITY INDEX 1 GREAT GRAY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $7.6M | 27.9% | |
| MYWAYRETIREMENT LARGE CAP GROWTH FD GREAT GRAY · EIN 38-4139869 / PN 647 | Common Collective Trust | — | — | $4.4M | 16.2% | |
| MY WAY RETIREMENT MID CAP GROWTH GREAT GRAY · EIN 38-4139870 / PN 648 | Common Collective Trust | — | — | $1.1M | 4.1% | |
| MYWAYRETIREMENT SMALL CAP GROWTH FD GREAT GRAY · EIN 83-3963451 / PN 650 | Common Collective Trust | — | — | $1.1M | 3.9% | |
| MY WAY RETIREMENT INDEX 2040 R GREAT GRAY · EIN 38-4065295 / PN 379 | Common Collective Trust | — | — | $1.0M | 3.8% | |
| MYWAYRETIREMENT INDEX RETIREMENT R GREAT GRAY · EIN 38-4065298 / PN 382 | Common Collective Trust | — | — | $962K | 3.5% | |
| MYWAYRETIREMENT CORE BOND FUND CL R GREAT GRAY · EIN 38-4139867 / PN 645 | Common Collective Trust | — | — | $921K | 3.4% | |
| MYWAYRETIREMENT INDEX 2055 R GREAT GRAY · EIN 38-4065302 / PN 386 | Common Collective Trust | — | — | $820K | 3.0% | |
| MYWAYRETIREMENT MID CAP VALUE FUND GREAT GRAY · EIN 38-7264528 / PN 691 | Common Collective Trust | — | — | $753K | 2.8% | |
| BLACKROCK EAFE EQUITY INDEX FEE CL GREAT GRAY · EIN 20-3802495 / PN 007 | Common Collective Trust | — | $688K | $746K | 2.7% | |
| MY WAY RETIREMENT INDEX 2045 R GREAT GRAY · EIN 38-4065301 / PN 385 | Common Collective Trust | — | — | $743K | 2.7% | |
| MYWAYRETIREMENT INTERNATIONAL GROWT GREAT GRAY · EIN 38-4139868 / PN 646 | Common Collective Trust | — | — | $741K | 2.7% | |
| MYWAYRETIREMENT LARGE CAP VALUE FD GREAT GRAY · EIN 38-7264527 / PN 690 | Common Collective Trust | — | — | $632K | 2.3% | |
| MY WAY RETIREMENT INDEX 2030 R GREAT GRAY · EIN 38-4065294 / PN 378 | Common Collective Trust | — | — | $622K | 2.3% | |
| MYWAYRETIREMENT INDEX 2050 R GREAT GRAY · EIN 38-4065307 / PN 391 | Common Collective Trust | — | — | $597K | 2.2% | |
| BLACKROCK RUSSELL 2000 INDEX FUND R GREAT GRAY · EIN 20-3802587 / PN 004 | Common Collective Trust | — | — | $578K | 2.1% | |
| BLACKROCK U.S. DEBT INDEX 1 GREAT GRAY · EIN 20-3802445 / PN 010 | Common Collective Trust | — | $443K | $480K | 1.8% | |
| MY WAY RETIREMENT INDEX 2035 R GREAT GRAY · EIN 38-4065300 / PN 384 | Common Collective Trust | — | — | $462K | 1.7% | |
| MYWAYRETIREMENT BALANCED FUND CL R GREAT GRAY · EIN 38-4139866 / PN 644 | Common Collective Trust | — | — | $442K | 1.6% | |
| BLACKROCK MID CAP EQUITY INDEX FUND GREAT GRAY · EIN 20-3802327 / PN 003 | Common Collective Trust | — | — | $199K | 0.7% | |
| BLACKROCK US TIPS INDEX GREAT GRAY · EIN 38-4116835 / PN 510 | Common Collective Trust | — | — | $173K | 0.6% | |
| [DFE: COLUMBIA OVERSEAS VALUE CIT (extraction pending)] | — | — | — | $87K | 0.3% | |
| MYWAYRETIREMENT INTL VALUE FUND CL GREAT GRAY · EIN 38-4126285 / PN 589 | Common Collective Trust | — | — | $87K | 0.3% | |
| MY WAY RETIREMENT INDEX 2060 R GREAT GRAY · EIN 38-4065297 / PN 381 | Common Collective Trust | — | — | $81K | 0.3% | |
| MY WAY RETIREMENT INDEX 2065 GREAT GRAY · EIN 38-4139859 / PN 636 | Common Collective Trust | — | — | $19K | <0.1% | |
| MYWAYRETIREMENT EMERGING MARKETS FD GREAT GRAY · EIN 38-7264529 / PN 692 | Common Collective Trust | — | — | $2K | <0.1% |