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Original filing (PDF)20250625143158NAL0004646771001
RENAISSANCE COMMUNITY HOMES
Form 5500
FILING_RECEIVED
PATHLIGHT COMMUNITY SERVICES 401(K) PROFIT SHARING PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
419
Accounts w/ balance
261
Plan assets (EOY)
$4.0M
Net assets (EOY)
$4.0M
How this plan invests
This plan
1 pooled trust
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
80
Vendor stack
80
Participation health
80
Knocking points off
- 73 bps in Schedule C fees — modestly above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 62% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RENAISSANCE COMMUNITY HOMES.
Plan sponsor
Name
RENAISSANCE COMMUNITY HOMES
EIN
38-2702043
Address
1548 W MAUMEE ST. · SUITE C · ADRIAN, MI · 49221
Phone
(734) 439-0464
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
2025-06-25
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | 22-3570392 | — | NONE | $16K | — |
| ALERUS FINANCIAL, N.A. | 45-6062081 | — | NONE | $14K | — |
Investments
27 direct securities · 1 pooled fund· $4.0M(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
$3.7M
27 holdings
Common Collective Trust
$365K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Equity Income - Admiral | — | — | — | $452K | 11.2% | |
| Vanguard Growth Index Admiral | — | — | — | $419K | 10.4% | |
| Baird Aggregate Bond Inst | — | — | — | $370K | 9.1% | |
| FEDERATED CAPITAL PRESERVATION FUND FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $365K | 9.0% | |
| Fidelity International Index Fund | — | — | — | $320K | 7.9% | |
| Fidelity Total Bond K6 ** 311 PIMCO Intl Bond (USD Hedged) Inst | — | — | — | $267K | 6.6% | |
| AllSpring Special Mid Cap Value FD R6 | — | — | — | $228K | 5.6% | |
| Nuveen Lifecycle Index 2040 | — | — | — | $225K | 5.6% | |
| Nuveen Lifecycle Index 2035 | — | — | — | $148K | 3.7% | |
| Fidelity Small Cap Growth K6 | — | — | — | $136K | 3.4% | |
| Nuveen Lifecycle Index 2025 | — | — | — | $130K | 3.2% | |
| Fidelity 500 Index Fund | — | — | — | $125K | 3.1% | |
| Macquarie Mid Cap Growth CL N | — | — | — | $121K | 3.0% | |
| DFA US Targeted Value I | — | — | — | $120K | 3.0% | |
| Nuveen Lifecycle Index 2050 | — | — | — | $109K | 2.7% | |
| PIMCO Income Fund Instl | — | — | — | $103K | 2.5% | |
| Nuveen Lifecycle Index 2045 | — | — | — | $97K | 2.4% | |
| Nuveen Lifecycle Index 2055 | — | — | — | $85K | 2.1% | |
| Nuveen Lifecycle Index 2030 | — | — | — | $70K | 1.7% | |
| Participants Participant Loans Interest Rates from 4.25% to 9.5% - | — | — | — | $54K | 1.3% | |
| Fidelity Advisor Emerging Markets Z | — | — | — | $26K | 0.6% | |
| Nuveen Lifecycle Index 2010 | — | — | — | $19K | 0.5% | |
| Nuveen Lifecycle Index 2060 | — | — | — | $15K | 0.4% | |
| Nuveen Lifecycle Index 2020 | — | — | — | $14K | 0.3% | |
| Fidelity Small Cap Index ** 222 Fidelity Mid Cap Index Instl | — | — | — | $5K | 0.1% | |
| Nuveen Lifecycle Index 2015 | — | — | — | $4K | <0.1% | |
| AFS Eurpacific Growth CL R5 | — | — | — | $3K | <0.1% | |
| Nuveen Lifecycle Index 2065 | — | — | — | $1K | <0.1% |
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