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Original filing (PDF)20250929155334NAL0005122579001
YOUTH GUIDANCE
Form 5500
FILING_RECEIVED
EMPLOYEE BENEFIT PLAN OF YOUTH GUIDANCE
401(k) retirement plan
Signals · 1
~120 bps in Sched C fees
Active participants
411
Accounts w/ balance
466
Plan assets (EOY)
$7.9M
Net assets (EOY)
$7.9M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 120 bps in Schedule C fees — 131% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for YOUTH GUIDANCE.
Plan sponsor
Name
YOUTH GUIDANCE
EIN
36-2167032
Address
1 N LASALLE STREET SUITE 900 · CHICAGO, IL · 60602
Phone
(312) 994-8135
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
2025-09-29
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)
Audit & trust (Schedule H)
Auditor
EIFEL RAMBO ADVISORY GROUP LTD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $68K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRIAD ADVISORS INC | — | NORCROSS, GA | INVESTMENT ADVISOR | $21K | — |
| OSAIC WEALTH INC | — | JERSEY CITY, NJ | INVESTMENT ADVISOR | $6K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $922 | — |
Investments
28 direct securities· $7.4M(93% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2045 Trgt Date Retire R6 | — | — | — | $1.2M | 14.9% | |
| American Funds American Funds 2050 Trgt Date Retire R6 | — | — | — | $1.0M | 12.8% | |
| Fidelity 500 Index | — | — | — | $923K | 11.6% | |
| American Funds American Funds 2055 Trgt Date Retire R6 | — | — | — | $895K | 11.3% | |
| American Funds American Funds 2035 Trgt Date Retire R6 | — | — | — | $573K | 7.2% | |
| American Funds American Funds 2025 Trgt Date Retire R6 | — | — | — | $559K | 7.0% | |
| American Funds American Funds 2030 Trgt Date Retire R6 | — | — | — | $540K | 6.8% | |
| American Funds American Funds 2040 Trgt Date Retire R6 | — | — | — | $488K | 6.1% | |
| American Funds American Funds 2060 Trgt Date Retire R6 | — | — | — | $374K | 4.7% | |
| Fidelity Mid Cap Index | — | — | — | $249K | 3.1% | |
| Parties-in Identity of Issue, Borrower, Rate of Interest, Collateral, Cost (d) Current Interest (a) Lessor, or Similar Party (b) Par, or Maturity Value (c) ** Value (e) Mutual Funds T. Rowe Price T. Rowe Price Spectrum Mod Allocation 1 | — | — | — | $76K | 1.0% | |
| American Funds American Funds 2065 Trgt Date Retire R6 | — | — | — | $60K | 0.8% | |
| T. Rowe Price T. Rowe Price Spectrum Mod Grwth Allc I | — | — | — | $59K | 0.7% | |
| American Funds American Funds 2020 Trgt Date Retire R6 | — | — | — | $54K | 0.7% | |
| TIAA-CREF Small-Cap Blend Idx Inst | — | — | — | $52K | 0.7% | |
| T. Rowe Price T. Rowe Price Spectrum Conserve Alloc I | — | — | — | $50K | 0.6% | |
| American Funds American Funds 2015 Trgt Date Retire R6 | — | — | — | $44K | 0.6% | |
| MFS International Equity R6 | — | — | — | $39K | 0.5% | |
| Hartford Dividend And Growth R6 | — | — | — | $28K | 0.3% | |
| MFS International Diversification R6 | — | — | — | $23K | 0.3% | |
| Blackrock Emerging Mkts K | — | — | — | $22K | 0.3% | |
| Vitrus Virtus Kar Mid-Cap Growth R6 ** 923 Fidelity Advisor Growth Opps Z | — | — | — | $22K | 0.3% | |
| Columbia Total Return Bond Instl 3 | — | — | — | $20K | 0.3% | |
| T. Rowe Price T. Rowe Price Spectrum Initernational Equity ** - Alliance Bernstein Ab Small Cap Growth Z ** - American Century American Century Small Cap Value R6 | — | — | — | $12K | 0.2% | |
| Artisan Partners Artisan High Income Institutional | — | — | — | $11K | 0.1% | |
| Blackrock Income Fund K | — | — | — | $8K | 0.1% | |
| Janus Henderson Janus Henderson Globel Real Esate N | — | — | — | $7K | <0.1% | |
| Principal Midcap Value I R6 | — | — | — | $1K | <0.1% |