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Original filing (PDF)20251014122931NAL0002896689001
THE MCGREGOR FOUNDATION
Form 5500
FILING_RECEIVED
THE MCGREGOR RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
~85 bps in Sched C fees
Active participants
521
Accounts w/ balance
203
Plan assets (EOY)
$8.2M
Net assets (EOY)
$8.2M
How this plan invests
This plan
6 pooled trusts
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 85 bps in Schedule C fees — 64% above peer band of 52 bps.
- Only 39% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE MCGREGOR FOUNDATION.
Plan sponsor
Name
THE MCGREGOR FOUNDATION
EIN
34-0714356
Address
14900 PRIVATE DRIVE EAST · CLEVELAND, OH · 44112
Phone
(216) 268-8670
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
3H · Sponsor in controlled / affiliated group
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2L · 403(b)(1) annuity
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
CITRIN COOPERMAN & COMPANY, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP | 23-1945930 | — | RECORDKEEPER | $20K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OPPENHEIMER & CO. | 13-5657518 | — | INVESTMENT ADVISOR | $32K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE RETIRMENT SYSTEMS, INC | 31-1299207 | CINCINNATI, OH | TPA | $11K | — |
| HW & CO | — | CLEVELAND, OH | TPA | $8K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE MCGREGOR HOME | — | CLEVELAND, OH | NO RELATIONSHIP | $0 | — |
Investments
32 direct securities · 6 pooled funds· $8.2M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$8.2M
32 holdings
Pooled Separate Account
$0
6 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Mutual Fund | — | — | — | $1.9M | 23.6% | |
| Vanguard Target Retirement 2035 Mutual Fund | — | — | — | $1.3M | 16.1% | |
| Vanguard Target Retirement 2030 Mutual Fund | — | — | — | $766K | 9.3% | |
| Vanguard Target Retirement 2045 Mutual Fund | — | — | — | $678K | 8.2% | |
| Vanguard Target Retirement 2025 Mutual Fund | — | — | — | $578K | 7.0% | |
| Vanguard Target Retirement 2055 Mutual Fund | — | — | — | $544K | 6.6% | |
| Vanguard Growth Index Fund Mutual Fund | — | — | — | $333K | 4.0% | |
| Vanguard Target Retirement 2020 Mutual Fund | — | — | — | $207K | 2.5% | |
| Fidelity Intl Capital Appreciation Mutual Fund | — | — | — | $186K | 2.3% | |
| MetLife GAC Mutual Fund | — | — | — | $182K | 2.2% | |
| Vanguard Target Retirement 2050 Mutual Fund | — | — | — | $177K | 2.2% | |
| Vanguard Target Retirement 2060 Mutual Fund | — | — | — | $147K | 1.8% | |
| Vanguard High Dividend Yield Index Fund Mutual Fund | — | — | — | $136K | 1.7% | |
| Vanguard Target Retirement Income Mutual Fund | — | — | — | $119K | 1.4% | |
| Vanguard Total World Stock Index Fund Mutual Fund | — | — | — | $95K | 1.2% | |
| Vanguard Small Cap Growth Index Mutual Fund | — | — | — | $90K | 1.1% | |
| MFS Mid Cap Growth Fund Class R6 Mutual Fund | — | — | — | $87K | 1.1% | |
| T. Rowe Price Dividend Growth Mutual Fund | — | — | — | $84K | 1.0% | |
| Putnam Large Cap Value R6 Mutual Fund | — | — | — | $84K | 1.0% | |
| MFS Total Return Bond Fund Class R6 Mutual Fund | — | — | — | $72K | 0.9% | |
| Vanguard Mid Cap Value Index Mutual Fund | — | — | — | $52K | 0.6% | |
| Vanguard Interim‐Term Treas Index Adm Mutual Fund | — | — | — | $50K | 0.6% | |
| PIMCO Short Term Institution Fund Mutual Fund | — | — | — | $49K | 0.6% | |
| Fidelity Mid Cap Index Mutual Fund | — | — | — | $47K | 0.6% | |
| DFA U.S. Targeted Value Portfolio Fund Mutual Fund | — | — | — | $40K | 0.5% | |
| Allspring Short‐Term Bond Plus Mutual Fund | — | — | — | $32K | 0.4% | |
| Fidelity Long Term Treasury Bond Index Fund Mutual Fund | — | — | — | $30K | 0.4% | |
| Fidelity Mid Cap Growth Index Mutual Fund | — | — | — | $28K | 0.3% | |
| Brandywine Global Opport Bond IS Mutual Fund | — | — | — | $27K | 0.3% | |
| Vanguard Small Cap Index Fund Mutual Fund | — | — | — | $21K | 0.3% | |
| American Century Mid Cap Value R6 Mutual Fund | — | — | — | $18K | 0.2% | |
| Cohen & Steers Real Estate Secs Z Fund Mutual Fund | — | — | — | $3K | <0.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 022 | Pooled Separate Account | — | — | $0 | <0.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST I VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 023 | Pooled Separate Account | — | — | $0 | <0.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST I VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 024 | Pooled Separate Account | — | — | $0 | <0.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST I VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 025 | Pooled Separate Account | — | — | $0 | <0.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST V VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 011 | Pooled Separate Account | — | — | $0 | <0.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST V VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 037 | Pooled Separate Account | — | — | $0 | <0.1% |
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