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Original filing (PDF)20250915091223NAL0001553888001
MODERN LIFE INC.
Form 5500
FILING_RECEIVED
MODERN HEALTH 401(K) PLAN
401(k) retirement plan
Signals · 1
42% in single holding
Active participants
266
Accounts w/ balance
414
Plan assets (EOY)
$16.6M
Net assets (EOY)
$16.6M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
79
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard Total Stock Market Index Admiral Mutual fund" is 42% of plan.
- 47 bps in Schedule C fees — 63% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MODERN LIFE INC..
Plan sponsor
Name
MODERN LIFE INC.
EIN
36-4883813
Address
2261 MARKET STREET, STE 85847 · SAN FRANCISCO, CA · 94114
Phone
(646) 303-1460
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
2025-09-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HUMAN INTEREST ADVISOR LLC | 47-4307706 | SAN FRANCISCO, CA | RECORDKEEPER | $78K | — |
Investments
27 direct securities· $16.1M(97% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Admiral Mutual fund | — | — | — | $6.7M | 40.7% | |
| Vanguard Total International Stock Index Admiral Mutual fund | — | — | — | $3.9M | 23.5% | |
| Vanguard Total Bond Market Index Admiral Mutual fund | — | — | — | $1.5M | 8.9% | |
| Vanguard Real Estate Index Admiral Mutual fund | — | — | — | $1.1M | 6.8% | |
| Vanguard 500 Index Admiral Mutual fund | — | — | — | $755K | 4.6% | |
| Vanguard Total International BD Index Admiral Mutual fund | — | — | — | $597K | 3.6% | |
| Vanguard Growth Index Admiral Mutual fund | — | — | — | $224K | 1.4% | |
| Vanguard Value Index Admiral Mutual fund | — | — | — | $177K | 1.1% | |
| Vanguard Developed Markets Index Admiral Mutual fund | — | — | — | $152K | 0.9% | |
| Vanguard Mid-Cap Growth Index Admiral Mutual fund | — | — | — | $127K | 0.8% | |
| Vanguard Small Cap Value Index Admiral Mutual fund | — | — | — | $122K | 0.7% | |
| Vanguard Emerging Markets Stock Index Admiral Mutual fund | — | — | — | $118K | 0.7% | |
| 6.50% - 9.50% - | — | — | — | $113K | 0.7% | |
| Vanguard Small Cap Index Admiral Mutual fund | — | — | — | $111K | 0.7% | |
| Vanguard Small Cap Growth Index Admiral Mutual fund | — | — | — | $63K | 0.4% | |
| Vanguard Short-Term Bond Index Admiral Mutual fund | — | — | — | $58K | 0.3% | |
| Vanguard FTSE Social Index Admiral Mutual fund | — | — | — | $48K | 0.3% | |
| Party in Identity of Issue, Borrower, Description of (d) Current Interest Lessor or Similar Party Investment Cost Value Vanguard Federal Money Market Investor Money Market ** $ | — | — | — | $45K | 0.3% | |
| Vanguard Mid-Cap Value Index Admiral Mutual fund | — | — | — | $43K | 0.3% | |
| Vanguard Short-Term Inflation Protected Secured Index Mutual fund | — | — | — | $38K | 0.2% | |
| DFA International Small Cap Value I Mutual fund | — | — | — | $30K | 0.2% | |
| DFA Emerging Markets Value I Mutual fund | — | — | — | $21K | 0.1% | |
| DFA Global Real Estate Securites Port Mutual fund | — | — | — | $13K | <0.1% | |
| Vanguard Interim-Term Bond Index Admiral Mutual fund | — | — | — | $5K | <0.1% | |
| DFA International Value I Mutual fund | — | — | — | $4K | <0.1% | |
| TIAA-CREF Social Choice EQ Premier Mutual fund | — | — | — | $3K | <0.1% | |
| TIAA-CREF Core Impact Bond Fund Mutual fund | — | — | — | $2K | <0.1% |
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