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Original filing (PDF)20251015135148NAL0004731809001
THRIVE COUNSELING LLC
Form 5500
FILING_RECEIVED
THRIVEWORKS 401(K) PLAN
401(k) retirement plan
Active participants
2,827
Accounts w/ balance
3,933
Plan assets (EOY)
$41.1M
Net assets (EOY)
$41.1M
How this plan invests
This plan
38 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
- 61 bps in Schedule C fees — 111% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THRIVE COUNSELING LLC.
Plan sponsor
Name
THRIVE COUNSELING LLC
EIN
26-3447487
Address
1000 JEFFERSON STREET, SUITE 2C · LYNCHBURG, VA · 24504
Phone
(617) 454-4960
Industry
Health Care & Social Assistancesee all
Plan administrator
Name
FUTUREPLAN FIDUCIARY SERVICES, LLC
EIN
82-3719843
City
BOSTON, MA
Phone
(855) 711-5283
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
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)
3H · Sponsor in controlled / affiliated group
2T · Default investment account (QDIA)
2S · Automatic enrollment
2X · Other multiple-employer DC plan
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 |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | RECORDKEEPER | $251K | — |
Investments
38 direct securities· $41.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2055 Fund | — | — | — | $7.0M | 16.9% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $6.0M | 14.6% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $4.7M | 11.4% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $4.5M | 10.8% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $3.5M | 8.5% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $3.1M | 7.5% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $2.6M | 6.3% | |
| Vanguard 500 Index Admiral | — | — | — | $1.7M | 4.2% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $1.5M | 3.6% | |
| Vanguard Growth Index Admiral | — | — | — | $928K | 2.3% | |
| Vanguard Total Stock Market Index Admiral | — | — | — | $893K | 2.2% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $628K | 1.5% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $553K | 1.3% | |
| Vanguard Cash Reserves Federal Money Market Admiral | — | — | — | $552K | 1.3% | |
| Participants Participant Loans With Rates from 4.25% to 9.50% - | — | — | — | $368K | 0.9% | |
| Vanguard Mid-Cap Growth Index Admiral | — | — | — | $367K | 0.9% | |
| Vanguard Target Retirement Income Fund | — | — | — | $321K | 0.8% | |
| Vanguard Total International Stock Index Admiral | — | — | — | $207K | 0.5% | |
| Vanguard Value Index Admiral | — | — | — | $195K | 0.5% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $191K | 0.5% | |
| Vanguard Balanced Index Admiral | — | — | — | $165K | 0.4% | |
| Vanguard Emerging Markets Stock Index Admiral | — | — | — | $146K | 0.4% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $141K | 0.3% | |
| Vanguard Long-Term Treasury Index Admiral | — | — | — | $127K | 0.3% | |
| Vanguard Small-Cap Growth Index Admiral | — | — | — | $126K | 0.3% | |
| Vanguard Real Estate Index Admiral | — | — | — | $117K | 0.3% | |
| Vanguard Small-Cap Index Admiral | — | — | — | $105K | 0.3% | |
| Vanguard Small-Cap Value Index Admiral | — | — | — | $81K | 0.2% | |
| Vanguard Short-Term Bond Index Admiral | — | — | — | $77K | 0.2% | |
| Vanguard Inflation-Protected Securities Admiral | — | — | — | $64K | 0.2% | |
| Vanguard Total International Bond Index Admiral | — | — | — | $53K | 0.1% | |
| Vanguard Mid-Cap Value Index Admiral | — | — | — | $50K | 0.1% | |
| Vanguard Long-Term Treasury Admiral | — | — | — | $41K | <0.1% | |
| Similar Party Collateral, Par, or Maturity Value Cost** Value Cash | — | — | — | $34K | <0.1% | |
| Vanguard Short-Term Treasury Admiral | — | — | — | $32K | <0.1% | |
| Vanguard Short-Term Inflation-Protected Securities Index Admiral | — | — | — | $26K | <0.1% | |
| Vanguard Short-Term Federal Admiral | — | — | — | $25K | <0.1% | |
| Vanguard Target Retirement 2070 Fund | — | — | — | $20K | <0.1% |