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Original filing (PDF)20260123150010NAL0002956115001
HUMAN DEVELOPMENT CENTER
Form 5500
FILING_RECEIVED
HUMAN DEVELOPMENT CENTER UNION 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
Late filing · 2.2 moNo recordkeeper disclosed
Active participants
208
Accounts w/ balance
274
Plan assets (EOY)
$5.7M
Net assets (EOY)
$5.2M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
91
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Filed 2.2 months past the 10.5-month grace window.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (34 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HUMAN DEVELOPMENT CENTER.
Plan sponsor
Name
HUMAN DEVELOPMENT CENTER
EIN
41-0777937
Address
1401 EAST FIRST STREET · DULUTH, MN · 55805
Phone
(218) 728-4491
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
005
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2026-01-23
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
WIPFLI
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERUS FINANCIAL, N.A. | 45-6062081 | — | NONE | $19K | — |
Investments
24 direct securities· $5.6M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Company Target Retirement 2050 | — | — | — | $866K | 15.2% | |
| American Funds Company Target Retirement 2055 | — | — | — | $834K | 14.6% | |
| American Funds Company Growth Fund of America Class A | — | — | — | $552K | 9.7% | |
| American Funds Company Investment Company of America | — | — | — | $348K | 6.1% | |
| American Funds Company Target Retirement 2040 | — | — | — | $345K | 6.0% | |
| American Funds Company Target Retirement 2030 | — | — | — | $340K | 6.0% | |
| American Funds Company Target Retirement 2045 | — | — | — | $269K | 4.7% | |
| American Funds Company Target Retirement 2025 | — | — | — | $267K | 4.7% | |
| American Funds Company American Balanced Fund A | — | — | — | $202K | 3.5% | |
| American Funds Company Income Fund of America Class A | — | — | — | $193K | 3.4% | |
| American Funds Company New Perspective Class A Fund 7 | — | — | — | $186K | 3.3% | |
| American Funds Company Target Retirement 2020 | — | — | — | $171K | 3.0% | |
| American Funds Company Washington Mutual Investor's Fund | — | — | — | $164K | 2.9% | |
| Calvert Equity Fund Class A | — | — | — | $155K | 2.7% | |
| American Funds Company Target Retirement 2035 | — | — | — | $145K | 2.5% | |
| American Funds Company Money Market Fund | — | — | — | $132K | 2.3% | |
| American Funds Company EuroPacific Growth Fund | — | — | — | $126K | 2.2% | |
| Participant loans with interest rates * Participant loans ranging from 4.25% to 9.50% $ 0 | — | — | — | $78K | 1.4% | |
| American Funds Company Bond Fund of America | — | — | — | $65K | 1.1% | |
| American Funds Company Target Retirement 2065 | — | — | — | $62K | 1.1% | |
| Columbia Investment Management Company Small Cap Index A | — | — | — | $38K | 0.7% | |
| Columbia Investment Management Company Mid Cap Index A | — | — | — | $25K | 0.4% | |
| American Funds Company Target Retirement 2060 | — | — | — | $23K | 0.4% | |
| Invesco Short Term Bond A | — | — | — | $3K | <0.1% |
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