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Original filing (PDF)20251014123151NAL0003947952001
THINK SMALL
Form 5500
FILING_RECEIVED
THINK SMALL 401(K) PLAN
401(k) retirement plan
Signals · 2
~76 bps in Sched C feesNo recordkeeper disclosed
Active participants
100
Accounts w/ balance
137
Plan assets (EOY)
$5.5M
Net assets (EOY)
$5.5M
How this plan invests
This plan
9 pooled trusts
Schedule D
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
100
Knocking points off
- 76 bps in Schedule C fees — modestly above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THINK SMALL.
Plan sponsor
Name
THINK SMALL
EIN
41-1260581
Address
10 YORKTON COURT · ST. PAUL, MN · 551171065
Phone
(651) 641-6617
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
2025-10-14
Pension benefit codes
2A · Age/service weighted or new comparability
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)
3F · Sponsor used leased employees
Audit & trust (Schedule H)
Auditor
ABDO LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRICIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $42K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OSIAC WEALTH, INC. | 93-0987232 | — | OTHER SERVICES | $0 | — |
Investments
29 direct securities · 9 pooled funds· $5.7M(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
$3.9M
29 holdings
Pooled Separate Account
$1.8M
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AM FDS 2035 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $897K | 16.3% | |
| AM FDS 2050 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $876K | 16.0% | |
| AM FDS 2030 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $678K | 12.4% | |
| PRIN SAM STRAT GROWTH SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 109 | Pooled Separate Account | — | — | $507K | 9.2% | |
| PRIN SAM CONS GROWTH SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 107 | Pooled Separate Account | — | — | $465K | 8.5% | |
| PRIN SAM BALANCED SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 105 | Pooled Separate Account | — | — | $295K | 5.4% | |
| AM FDS 2055 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $270K | 4.9% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $227K | 4.1% | |
| AM FDS 2045 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $216K | 3.9% | |
| SAM CONSER BAL SEP ACCT + Pooled Separate Account | — | — | — | $182K | 3.3% | |
| PRIN SAM CONS BALANCED SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 106 | Pooled Separate Account | — | — | $182K | 3.3% | |
| AM FDS 2025 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $117K | 2.1% | |
| AM FDS 2060 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $96K | 1.7% | |
| VANGUARD VALUE INDEX ADM FUND Mutual Fund | — | — | — | $85K | 1.5% | |
| AM FDS 2040 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $80K | 1.5% | |
| SAM FLEX INC SEP ACCT + Pooled Separate Account | — | — | — | $79K | 1.4% | |
| PRIN SAM FLEXIBLE INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 108 | Pooled Separate Account | — | — | $79K | 1.4% | |
| NUVEEN LARGE CAP GR INDX R6 Mutual Fund | — | — | — | $76K | 1.4% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $75K | 1.4% | |
| Notes receivable from participants Participant Loans*** | — | — | — | $69K | 1.2% | |
| DFA US LARGE COMPANY I FUND Mutual Fund | — | — | — | $44K | 0.8% | |
| VANGUARD MIDCAP VAL IDX ADM FD Mutual Fund | — | — | — | $21K | 0.4% | |
| PRINCIPAL GUARANTEED OPTION Insurance General Account ** $ | — | — | — | $20K | 0.4% | |
| VANGUARD SM CAP VAL IDX ADM FD Mutual Fund | — | — | — | $15K | 0.3% | |
| VANGUARD MIDCP GRTH IDX ADM FD Mutual Fund | — | — | — | $13K | 0.2% | |
| VANGUARD INTL GROWTH ADM FD Mutual Fund | — | — | — | $13K | 0.2% | |
| PGIM HIGH YIELD R6 FUND Mutual Fund | — | — | — | $13K | 0.2% | |
| DFA INTERNATIONAL VALUE I FUND Mutual Fund | — | — | — | $10K | 0.2% | |
| FIDELITY US BOND INDEX FUND Mutual Fund | — | — | — | $9K | 0.2% | |
| FIDELITY INTERNATIONAL IDX FD Mutual Fund | — | — | — | $6K | 0.1% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $6K | 0.1% | |
| LORD ABBETT BD DEBENTURE R6 FD Mutual Fund | — | — | — | $6K | 0.1% | |
| AMERICAN FUNDS AMERMUT R6 FD Mutual Fund | — | — | — | $5K | <0.1% | |
| CLEARBRIDGE SM CP GR IS FUND Mutual Fund | — | — | — | $4K | <0.1% | |
| AMERICAN FUNDS NEWWORLD R6 Mutual Fund | — | — | — | $3K | <0.1% | |
| DFA INFL PROTECTED SEC I FUND Mutual Fund | — | — | — | $2K | <0.1% | |
| AM FDS 2065 TRGT DTE RTM R6 FD Mutual Fund | — | — | — | $2K | <0.1% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $0 | <0.1% |