Back to filter
Original filing (PDF)20251015090338NAL0005744448001
NATIONAL DEBT RELIEF
Form 5500
FILING_RECEIVED
NATIONAL DEBT RELIEF 401K PROFIT SHARING PLAN AND TRUST
401(k) retirement plan
Signals · 1
35% in single holding
Active participants
1,996
Accounts w/ balance
2,380
Plan assets (EOY)
$61.9M
Net assets (EOY)
$61.9M
How this plan invests
This plan
1 pooled trust
Schedule D
26 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
82
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "AMERICAN FUNDS 2055 TARGET R6" is 35% of plan.
- 50 bps in Schedule C fees — 211% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NATIONAL DEBT RELIEF.
Plan sponsor
Name
NATIONAL DEBT RELIEF
EIN
27-1182232
Address
180 MAIDEN LANE · FLOOR 28 · NEW YORK, NY · 10038
Phone
(315) 345-6848
Industry
All Other Professional Services· Professional & Technical 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
2025-10-15
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
CERINI & ASSOCIATES LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $212K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY | 20-8764829 | — | INVESTMENT/FINANCIAL ADVI | $96K | — |
Investments
25 direct securities · 1 pooled fund· $59.2M(96% 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.
Registered Investment Companies
$58.5M
25 holdings
Common Collective Trust
$694K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AMERICAN FUNDS 2055 TARGET R6 | Registered Investment Companies | — | — | $20.8M | 33.6% | |
| AMERFUNDS 2050 TARG DATERET R6 | Registered Investment Companies | — | — | $7.9M | 12.8% | |
| FID 500 IND | Registered Investment Companies | — | — | $6.2M | 10.0% | |
| AMERFUNDS 2045 TARG DATERET R6 | Registered Investment Companies | — | — | $5.3M | 8.6% | |
| AMERFUNDS 2040 TARG DATERET R6 | Registered Investment Companies | — | — | $2.6M | 4.3% | |
| AMERFUNDS 2035 TARG DATERET R6 | Registered Investment Companies | — | — | $2.6M | 4.1% | |
| AMERFUNDS 2060 TARG DATERET R6 | Registered Investment Companies | — | — | $2.1M | 3.4% | |
| AMERFUNDS 2030 TARG DATERET R6 | Registered Investment Companies | — | — | $1.8M | 2.9% | |
| FID SMALL CAP INDEX | Registered Investment Companies | — | — | $1.3M | 2.0% | |
| PIONEER FUNDAMENTAL GROWTH Y | Registered Investment Companies | — | — | $1.2M | 1.9% | |
| AMERFUNDS 2025 TARG DATERET R6 | Registered Investment Companies | — | — | $1.0M | 1.7% | |
| FID MID CAP INDEX | Registered Investment Companies | — | — | $903K | 1.5% | |
| INVESCO STABLE ASSET INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $694K | 1.1% | |
| AMERFUNDS 2065 TARG DATERET R6 | Registered Investment Companies | — | — | $617K | 1.0% | |
| FRANKLIN SMALL CAP VALUE - ADV | Registered Investment Companies | — | — | $602K | 1.0% | |
| BLACKROCK EQ DIV - INSTL | Registered Investment Companies | — | — | $592K | 1.0% | |
| FRANKLIN SM CAP GROWTH - ADV | Registered Investment Companies | — | — | $534K | 0.9% | |
| THE HARTFORD INTL OPPS CLASS Y | Registered Investment Companies | — | — | $486K | 0.8% | |
| PGIM HIGH YIELD - A | Registered Investment Companies | — | — | $354K | 0.6% | |
| FRANKLIN CORE PLUS BOND ADV | Registered Investment Companies | — | — | $342K | 0.6% | |
| BLACKROCK GLBL ALLOCATION INST | Registered Investment Companies | — | — | $316K | 0.5% | |
| INVESCO DEV MARKETS - Y | Registered Investment Companies | — | — | $285K | 0.5% | |
| MFS MID CAP GROWTH FUND R3 | Registered Investment Companies | — | — | $230K | 0.4% | |
| AMERFUNDS 2020 TARG DATERET R6 | Registered Investment Companies | — | — | $183K | 0.3% | |
| INVESCO CORE BOND Y | Registered Investment Companies | — | — | $171K | 0.3% | |
| JOHN HANCOCK DISC VALUE MC R6 | Registered Investment Companies | — | — | $162K | 0.3% |