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Original filing (PDF)20251015101417NAL0004271233001
LANCASTER-FAIRFIELD COMMUNITY ACTION PROGRAM, INC.
Form 5500
FILING_RECEIVED
LANCASTER-FAIRFIELD CAP, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
~140 bps in Sched C feesNo recordkeeper disclosed
Active participants
104
Accounts w/ balance
135
Plan assets (EOY)
$4.2M
Net assets (EOY)
$4.2M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 140 bps in Schedule C fees — 170% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LANCASTER-FAIRFIELD COMMUNITY ACTION PROGRAM, INC..
Plan sponsor
Name
LANCASTER-FAIRFIELD COMMUNITY ACTION PROGRAM, INC.
EIN
31-6060695
Address
1743 E MAIN ST · P.O. BOX 768 · LANCASTER, OH · 43130
Phone
(740) 653-4146
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
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
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
S.R. SNODGRASS, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STEWARD PARTNERS INVESTMENT ADVISOR | 82-2030450 | STAMFORD, CT | INVESTMENT ADVISORY | $8K | — |
| SALING SIMMS ASSOCIATES INC | 31-1254295 | COLUMBUS, OH | INVESTMENT ADVISORY | $8K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LATITUDE SERVICE COMPANY | 82-1371994 | PLYMOUTH, IN | TPA | $22K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | MUTUAL FUND INVESTMENT | $19K | — |
| LEAFHOUSE FINANCIAL ADVISORS LLC | 26-4311657 | AUSTIN, TX | FIDUCIARY SERVICES | $2K | — |
Investments
33 direct securities· $4.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Amcent Emrg M kt R6 + M utual Fund NR - Amcent Gr R6 M utual Fund NR | — | — | — | $752K | 17.9% | |
| Amfds 2040 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $407K | 9.7% | |
| Amfds 2050 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $327K | 7.8% | |
| Amfds 2035 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $310K | 7.3% | |
| Fid Intl Indx M utual Fund NR | — | — | — | $286K | 6.8% | |
| Jpm Cor Bd R6 M utual Fund NR | — | — | — | $206K | 4.9% | |
| Amfds 2055 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $193K | 4.6% | |
| Amfds 2030 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $149K | 3.5% | |
| Jpm M dcap Gr R5 M utual Fund NR | — | — | — | $143K | 3.4% | |
| Fid M dcap Indx M utual Fund NR | — | — | — | $131K | 3.1% | |
| Amfds 2020 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $126K | 3.0% | |
| Trowe M ultsctr Bd I M utual Fund NR | — | — | — | $115K | 2.7% | |
| Amfds 2010 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $100K | 2.4% | |
| Fid 500 Indx M utual Fund NR | — | — | — | $90K | 2.1% | |
| BOA – fixed Guaranteed Investment Contract | — | — | — | $89K | 2.1% | |
| Amfds 2060 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $83K | 2.0% | |
| Amfds 2045 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $78K | 1.8% | |
| Putnam Large Cap Value Y M utual Fund NR | — | — | — | $71K | 1.7% | |
| M aturity dates ranging from 9/10/2024 through 5/4/2029 | — | — | — | $67K | 1.6% | |
| M fs Intl Gr R6 M utual Fund NR | — | — | — | $64K | 1.5% | |
| Dfa Realest Sec M utual Fund NR | — | — | — | $57K | 1.3% | |
| Fnkln Smcap Val Adv M utual Fund NR | — | — | — | $56K | 1.3% | |
| Amfds 2025 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $52K | 1.2% | |
| M fs Val R6 + M utual Fund NR - Pimco Inc Inst M utual Fund NR | — | — | — | $47K | 1.1% | |
| Leggm Wstras Cor Bd I M utual Fund NR - Lrdabt Shrt Dur Inc R5 M utual Fund NR | — | — | — | $44K | 1.0% | |
| Trowepr Gr Stk + M utual Fund NR - As Disc Inst + M utual Fund NR - M id Cap Value Fund Fee Class R1 M utual Fund NR | — | — | — | $39K | 0.9% | |
| Amfds New Wld R6 M utual Fund NR | — | — | — | $38K | 0.9% | |
| Amfds 2015 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $25K | 0.6% | |
| Leggm Clrbrdg Smcap Gr I M utual Fund NR | — | — | — | $24K | 0.6% | |
| Dfa Infl Prtct Sec Inst M utual Fund NR | — | — | — | $16K | 0.4% | |
| Amfds 2065 Trgtdtrtrmt R6 M utual Fund NR | — | — | — | $16K | 0.4% | |
| Fid Smcap Indx M utual Fund NR | — | — | — | $6K | 0.1% | |
| Fed Hrms Gov Oblgtns Prmr M utual Fund NR | — | — | — | $4K | 0.1% |
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