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Original filing (PDF)20251015100259NAL0002210115001
LIBERTY MANAGEMENT SERVICES, INC.
Form 5500
FILING_RECEIVED
LIBERTY RESOURCES RETIREMENT PLAN
401(k) retirement plan
Signals · 2
~118 bps in Sched C feesNo recordkeeper disclosed
Active participants
1,405
Accounts w/ balance
970
Plan assets (EOY)
$21.0M
Net assets (EOY)
$21.0M
How this plan invests
This plan
14 pooled trusts
Schedule D
32 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
80
Participation health
80
Knocking points off
- 118 bps in Schedule C fees — 307% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- 69% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LIBERTY MANAGEMENT SERVICES, INC..
Plan sponsor
Name
LIBERTY MANAGEMENT SERVICES, INC.
EIN
41-2262515
Address
6723 TOWPATH RD · EAST SYRACUSE, NY · 130579506
Phone
(315) 245-1004
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
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BONADIO & CO., LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 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 |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $248K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MML INVESTORS SERVICES LLC | 04-2746212 | — | OTHER SERVICES | $0 | — |
| MML INSURANCE AGENCY LLC | 04-3109325 | — | OTHER SERVICES | $0 | — |
Investments
18 direct securities · 14 pooled funds· $21.1M(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.
Common Collective Trust
$17.8M
12 holdings
Uncategorized
$3.2M
18 holdings
Pooled Separate Account
$96K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $3.6M | 17.1% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $2.9M | 13.8% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $2.5M | 11.9% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $2.2M | 10.7% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $2.2M | 10.4% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $1.8M | 8.3% | |
| Vanguard 500 Index Admiral Fund Registered investment company | — | — | — | $1.5M | 7.2% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $1.1M | 5.0% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $908K | 4.3% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $339K | 1.6% | |
| American Funds The Growth Fund of America Registered investment company | — | — | — | $287K | 1.4% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $254K | 1.2% | |
| Principal Fixed Income Guaranteed Option Guaranteed interest account | — | — | — | $181K | 0.9% | |
| Vanguard Sm Cap Index Adm Fund Registered investment company | — | — | — | $151K | 0.7% | |
| Vanguard Mid Cap Index Adm Fund Registered investment company | — | — | — | $134K | 0.6% | |
| Vanguard Intl Stock Index Adm Fund Registered investment company | — | — | — | $129K | 0.6% | |
| BlackRock Mid-Cap Growth Equity K Fund Registered investment company | — | — | — | $129K | 0.6% | |
| T Rowe Price GI Stock I Fund Registered investment company | — | — | — | $114K | 0.5% | |
| Vanguard Total Bond Market Index Adm Fund Registered investment company | — | — | — | $112K | 0.5% | |
| American Funds Amer Balance R6 Fund Registered investment company | — | — | — | $109K | 0.5% | |
| JP Morgan Equity Income R6 Fund Registered investment company | — | — | — | $91K | 0.4% | |
| Core Fixed Income Separate Account + Pooled separate account | — | — | — | $91K | 0.4% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $91K | 0.4% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $72K | 0.3% | |
| American Funds NewWorld R6 Registered investment company | — | — | — | $37K | 0.2% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $31K | 0.1% | |
| Pimco International Bond (USD-Hedge) I Fund Registered investment company | — | — | — | $24K | 0.1% | |
| (E) | — | — | — | $24K | 0.1% | |
| JP Morgan Small Cap Growth R6 Fund Registered investment company | — | — | — | $21K | 0.1% | |
| Columbia Overseas Value I3 Registered investment company | — | — | — | $16K | <0.1% | |
| Columbia Small Cap VI I I3 Fund Registered investment company | — | — | — | $9K | <0.1% | |
| PRIN GL REAL EST SEC SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 136 | Pooled Separate Account | — | — | $5K | <0.1% |
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