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Original filing (PDF)20251015160909NAL0006715792001
START EARLY
Form 5500
FILING_RECEIVED
START EARLY 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
439
Accounts w/ balance
618
Plan assets (EOY)
$41.6M
Net assets (EOY)
$41.6M
How this plan invests
This plan
1 pooled trust
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for START EARLY.
Plan sponsor
Name
START EARLY
EIN
36-3186328
Address
33 W. MONROE · SUITE 2400 · CHICAGO, IL · 60603
Phone
(312) 981-0927
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $62K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ROCATON INVESTMENT ADVISORS LLC | 04-3638035 | — | INVESTMENT ADVISOR | $45K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
29 direct securities · 1 pooled fund· $41.6M(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
$40.8M
29 holdings
Common Collective Trust
$802K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2045 I | — | — | — | $5.8M | 14.0% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2050 I | — | — | — | $5.6M | 13.6% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2040 I | — | — | — | $3.8M | 9.1% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2055 I | — | — | — | $3.3M | 8.0% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Blue Chip Growth Fund | — | — | — | $3.2M | 7.6% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2035 I | — | — | — | $3.1M | 7.4% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2030 I | — | — | — | $2.8M | 6.6% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2025 I | — | — | — | $2.5M | 6.1% | |
| Fidelity 500 Index Fund | — | — | — | $2.5M | 6.0% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2060 I | — | — | — | $1.3M | 3.2% | |
| JP Morgan JPMorgan Small Cap Growth Fund R6 | — | — | — | $1.1M | 2.6% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $802K | 1.9% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Equity Income Fund | — | — | — | $714K | 1.7% | |
| Participants Participant Loans Rates from 4.25% to 9.50% - | — | — | — | $699K | 1.7% | |
| MFS New Discovery Value Fund R6 | — | — | — | $474K | 1.1% | |
| Fidelity Extended Market Index Fund | — | — | — | $439K | 1.1% | |
| Fidelity Investment Grade Bond | — | — | — | $416K | 1.0% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2005 I | — | — | — | $392K | 0.9% | |
| American Funds American Funds EUPAC Growth Fund R6 | — | — | — | $389K | 0.9% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement Balance I | — | — | — | $378K | 0.9% | |
| Fidelity Total International Index Fund | — | — | — | $373K | 0.9% | |
| Fidelity US Bond Index Fund | — | — | — | $347K | 0.8% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2020 I | — | — | — | $346K | 0.8% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2015 I | — | — | — | $249K | 0.6% | |
| Invesco Developing Markets Y | — | — | — | $205K | 0.5% | |
| Fidelity Strategic Income | — | — | — | $190K | 0.5% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2065 I | — | — | — | $108K | 0.3% | |
| First Eagle Investments First Eagle Overseas Fund R6 | — | — | — | $77K | 0.2% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Retirement 2010 I | — | — | — | $40K | <0.1% | |
| Fidelity Inflation-Protected Bond Index Fund | — | — | — | $16K | <0.1% |