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Original filing (PDF)20251015080506NAL0004025617001
LASTING CHANGE, INC.
Form 5500
FILING_RECEIVED
LASTING CHANGE, INC. 403(B) PLAN
403(b) retirement plan
Signals · 2
~84 bps in Sched C feesNo recordkeeper disclosed
Active participants
485
Accounts w/ balance
316
Plan assets (EOY)
$8.5M
Net assets (EOY)
$8.5M
Plan health score (directional)
81
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
80
Knocking points off
- 84 bps in Schedule C fees — 62% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 65% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LASTING CHANGE, INC..
Plan sponsor
Name
LASTING CHANGE, INC.
EIN
35-1167389
Address
4150 ILLINOIS ROAD · FORT WAYNE, IN · 46804
Phone
(260) 745-3322
Industry
Health Care & Social Assistancesee 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
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FORVIS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SYM FINANCIAL CORPORATION | 35-1550787 | — | NONE | $36K | — |
| AMERITAS LIFE INSURANCE CORP | 47-0098400 | — | NONE | $31K | — |
| CHARLES SCHWAB BANK | 82-3967259 | — | NONE | $4K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.
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