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Original filing (PDF)20251015141614NAL0004800737001
BEACON SPECIALIZED LIVING SERVICES, INC.
Form 5500
FILING_RECEIVED
BEACON SPECIALIZED LIVING 401(K) PLAN
401(k) retirement plan
Signals · 1
~127 bps in Sched C fees
Active participants
2,611
Accounts w/ balance
1,107
Plan assets (EOY)
$15.7M
Net assets (EOY)
$15.7M
How this plan invests
This plan
21 pooled trusts
Schedule D
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 127 bps in Schedule C fees — 339% above peer band of 29 bps.
- Only 42% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BEACON SPECIALIZED LIVING SERVICES, INC..
Plan sponsor
Name
BEACON SPECIALIZED LIVING SERVICES, INC.
EIN
38-3411707
Address
890 N. 10TH STREET, SUITE 110 · KALAMAZOO, MI · 49009
Phone
(269) 427-8400
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
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
LBMC, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA LIFE INSURANCE COMPANY | 39-0989781 | — | RECORDKEEPER | $101K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPSTONE WEALTH MANAGEMENT GROUP L | 81-3566330 | — | INVESTMENT ADVISORY | $67K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FUTUREPLAN BY ASCENSUS | 82-3719843 | — | TPA | $31K | — |
Investments
7 direct securities · 21 pooled funds· $25.4M(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.
Pooled Separate Account
$14.8M
21 holdings
Uncategorized
$10.6M
7 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Transamerica Life Insurance Company Transamerica LifeGoal 2050 with BlackRck RetOpt | — | — | — | $1.9M | 12.1% | |
| TA BLACKROCK LP INDEX 2050 RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 681 | Pooled Separate Account | — | — | $1.9M | 12.1% | |
| Transamerica Life Insurance Company Transamerica LifeGoal 2035 with BlackRck RetOpt | — | — | — | $1.8M | 11.6% | |
| A BLACKROCK LP INDEX 2035 RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 678 | Pooled Separate Account | — | — | $1.8M | 11.6% | |
| Transamerica Life Insurance Company Transamerica LifeGoal 2040 with BlackRck RetOpt | — | — | — | $1.8M | 11.3% | |
| TA BLACKROCK LP INDEX 2040 RET OPT OPTTRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 679 | Pooled Separate Account | — | — | $1.8M | 11.3% | |
| Transamerica Life Insurance Company Transamerica LifeGoal 2030 with BlackRck RetOpt | — | — | — | $1.7M | 10.8% | |
| TA BLACKROCK LP INDEX 2030 RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 677 | Pooled Separate Account | — | — | $1.7M | 10.8% | |
| Transamerica Life Insurance Company Transamerica LifeGoal 2025 with BlackRck RetOpt | — | — | — | $1.6M | 10.4% | |
| TA BLACKROCK LP INDEX 2025 RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 676 | Pooled Separate Account | — | — | $1.6M | 10.4% | |
| Transamerica Life Insurance Company Transamerica LifeGoal 2045 with BlackRck RetOpt | — | — | — | $1.4M | 9.3% | |
| TA BLACKROCK LP INDEX 2045 RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 680 | Pooled Separate Account | — | — | $1.4M | 9.3% | |
| TRANSAMERICA LIFEGOAL 2055 WITH BLK TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 682 | Pooled Separate Account | — | — | $1.0M | 6.6% | |
| TRANSAMERICA LIFEGOAL 2060 WITH BLK TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 822 | Pooled Separate Account | — | — | $944K | 6.0% | |
| TA VANGUARD TOTAL STCK MRKT INDEX R TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 114 | Pooled Separate Account | — | — | $825K | 5.3% | |
| TA BLACKROCK LP IDX RETMENT RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 683 | Pooled Separate Account | — | — | $609K | 3.9% | |
| STATE STREET RUSSELL LG CP GR IDX R TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 122 | Pooled Separate Account | — | — | $419K | 2.7% | |
| Transamerica Life Insurance Company Stable Value Core Option | — | — | — | $330K | 2.1% | |
| STATE STREET U.S. BOND IDX RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 037 | Pooled Separate Account | — | — | $147K | 0.9% | |
| STATE STREET S&P MD CP IDX RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 036 | Pooled Separate Account | — | — | $111K | 0.7% | |
| DFA INF-PROTECTED SEC PRTF RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 526 | Pooled Separate Account | — | — | $108K | 0.7% | |
| STATE STREET RUSSELL SM CP IDX R TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 033 | Pooled Separate Account | — | — | $78K | 0.5% | |
| STATE STREET RUSSELL SM CP GR IDX R TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 121 | Pooled Separate Account | — | — | $75K | 0.5% | |
| STATE STREET INTL INDEX RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 035 | Pooled Separate Account | — | — | $72K | 0.5% | |
| STATE STREET RUSSELL LG CP VAL IDX TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 120 | Pooled Separate Account | — | — | $67K | 0.4% | |
| STATE STREET EMERG MKT IDX RET OPT TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 117 | Pooled Separate Account | — | — | $24K | 0.2% | |
| STATE STREET RUSSELL SM CP VAL IDX TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 046 | Pooled Separate Account | — | — | $14K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2065 WITH BLA TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 445 | Pooled Separate Account | — | — | $637 | <0.1% |
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