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Original filing (PDF)20250820131942NAL0005686160001
REAL SERVICES, INC.
Form 5500
FILING_RECEIVED
REAL SERVICES, INC. 403(B) PLAN
403(b) retirement plan
Signals · 2
~97 bps in Sched C feesNo recordkeeper disclosed
Active participants
187
Accounts w/ balance
215
Plan assets (EOY)
$7.5M
Net assets (EOY)
$7.5M
How this plan invests
This plan
1 pooled trust
Schedule D
42 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
- 97 bps in Schedule C fees — 87% 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 REAL SERVICES, INC..
Plan sponsor
Name
REAL SERVICES, INC.
EIN
35-1157606
Address
1151 S. MICHIGAN ST. · SOUTH BEND, IN · 466013427
Phone
(574) 276-8491
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
2025-08-20
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PENSION ASSURANCE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SIGMA PLANNING CORPORATION | 38-2472558 | — | INVESTMENT ADVISORY | $0 | — |
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $73K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
42 direct securities · 1 pooled fund· $7.8M(100% 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.
Uncategorized
$7.5M
42 holdings
Pooled Separate Account
$319K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Target Date Retirement 2030 Inst Fund Mutual Fund | — | — | — | $864K | 11.6% | |
| American Funds Target Date Retirement 2035 Inst Fund Mutual Fund | — | — | — | $738K | 9.9% | |
| American Funds Target Date Retirement 2020 Inst Fund Mutual Fund | — | — | — | $727K | 9.8% | |
| American Funds Target Date Retirement 2045 Inst Fund Mutual Fund | — | — | — | $646K | 8.7% | |
| Principal Fixed Income Guaranteed Option Fully Benefit-Responsive Investment Contract | — | — | — | $530K | 7.1% | |
| American Funds Target Date Retirement 2025 Inst Fund Mutual Fund | — | — | — | $464K | 6.2% | |
| American Funds Target Date Retirement 2040 Inst Fund Mutual Fund | — | — | — | $374K | 5.0% | |
| American Funds Target Date Retirement 2070 Inst Fund Mutual Fund ** 145 Fidelity 500 Index Fund Mutual Fund | — | — | — | $325K | 4.4% | |
| SEPARATE ACCOUNT NUMBER SA1 MUTUAL OF AMERICA · EIN 13-1614399 / PN 002 | Pooled Separate Account | — | — | $319K | 4.3% | |
| American Funds Target Date Retirement 2055 Inst Fund Mutual Fund | — | — | — | $292K | 3.9% | |
| American Funds Target Date Retirement 2060 Inst Fund Mutual Fund | — | — | — | $254K | 3.4% | |
| PGIM Total Return Bond R6 Fund Mutual Fund | — | — | — | $229K | 3.1% | |
| JP Morgan Large Cap Gr R6 Fund Mutual Fund | — | — | — | $194K | 2.6% | |
| Fidelity US Bond Index Fund Mutual Fund | — | — | — | $191K | 2.6% | |
| American Funds Target Date Retirement 2050 Inst Fund Mutual Fund | — | — | — | $181K | 2.4% | |
| Mutual of America Equity Index Fund Pooled Separate Account | — | — | — | $128K | 1.7% | |
| JP Morgan Large Cap Value R6 Fund Mutual Fund | — | — | — | $112K | 1.5% | |
| American Funds Target Date Retirement 2065 Inst Fund Mutual Fund | — | — | — | $109K | 1.5% | |
| Fidelity Small Cap Index Fund Mutual Fund | — | — | — | $106K | 1.4% | |
| Janus Enterprise N Mutual Fund | — | — | — | $97K | 1.3% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $93K | 1.2% | |
| Mutual of America Mid-Cap Equity Index Pooled Separate Account | — | — | — | $90K | 1.2% | |
| Hartford International Opp R6 Fund Mutual Fund | — | — | — | $90K | 1.2% | |
| American Funds Target Date Retirement 2015 Inst Fund Mutual Fund | — | — | — | $86K | 1.2% | |
| Fidelity VIP Equity-Income Portfolio Pooled Separate Account | — | — | — | $81K | 1.1% | |
| Schwab Fundamental US Large Company Index Fund Mutual Fund | — | — | — | $77K | 1.0% | |
| American Funds Target Date Retirement 2010 Inst Fund Mutual Fund | — | — | — | $75K | 1.0% | |
| Fidelity Advisor International Gr Z Fund Mutual Fund | — | — | — | $73K | 1.0% | |
| PIMCO Income Institutional Fund Mutual Fund | — | — | — | $46K | 0.6% | |
| Mutual of America Interest Accumulation Account Fully Benefit-Responsive Investment Contract | — | — | — | $36K | 0.5% | |
| Principal MidCap Value Fund I Mutual Fund | — | — | — | $33K | 0.4% | |
| Franklin Small Cap Value R6 Fd Mutual Fund | — | — | — | $31K | 0.4% | |
| Participant Loans to participants, bearing interest from 5.25% to 10.50% | — | — | — | $29K | 0.4% | |
| Fidelity Small Cap Growth Fund Mutual Fund | — | — | — | $22K | 0.3% | |
| Vanguard VIF International Portfolio Pooled Separate Account | — | — | — | $18K | 0.2% | |
| American Fund Cap Wld Bond R6 Fund Mutual Fund | — | — | — | $3K | <0.1% | |
| Invesco Int Small-Md Comp R6 Fund Mutual Fund | — | — | — | $3K | <0.1% | |
| Mutual of America Moderate Allocation Pooled Separate Account | — | — | — | $2K | <0.1% | |
| BlackRock High Yield Bond K Fund Mutual Fund | — | — | — | $2K | <0.1% | |
| Fidelity Large Cap Growth Index Fund Mutual Fund | — | — | — | $2K | <0.1% | |
| Schwab Fundamental International Large Company Index Fund Mutual Fund | — | — | — | $1K | <0.1% | |
| Janus Henderson Global Select Fund Mutual Fund | — | — | — | $1K | <0.1% | |
| Principal Real Estate Securities R6 Fund Mutual Fund | — | — | — | $1K | <0.1% |