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Original filing (PDF)20251015101019NAL0009003570001
PROVIDENT, INC.
Form 5500
FILING_RECEIVED
PROVIDENT, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
~111 bps in Sched C feesNo recordkeeper disclosed
Active participants
117
Accounts w/ balance
149
Plan assets (EOY)
$2.5M
Net assets (EOY)
$2.5M
How this plan invests
This plan
13 pooled trusts
Schedule D
17 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
100
Knocking points off
- 111 bps in Schedule C fees — 113% 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 PROVIDENT, INC..
Plan sponsor
Name
PROVIDENT, INC.
EIN
43-0652630
Address
2650 OLIVE STREET · ST. LOUIS, MO · 63103
Phone
(314) 371-6500
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
2025-10-15
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
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| T. ROWE PRICE | 52-1309931 | — | CONTRACT ADMIN | $15K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONE AMERICA RETIREMENT SERVICES LLC | 46-5378846 | — | NONE | $12K | — |
| MATRIX TRUST COMPANY | 75-3182674 | — | NONE | $0 | — |
Investments
4 direct securities · 13 pooled funds· $2.5M(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
$2.4M
13 holdings
Uncategorized
$66K
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. ROWE PRICE RET 2050 TR-K T, ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | $16K | $611K | 24.6% | |
| T. ROWE PRICE RET 2035 TR-K T.ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | $11K | $390K | 15.7% | |
| T. ROWE PRICE RET 2045 TR-K T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | $9K | $353K | 14.2% | |
| T. ROWE PRICE RET 2025 TR-K T.ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | $8K | $237K | 9.5% | |
| T, ROWE PRICE RET 2020 TR-K T, ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | $7K | $190K | 7.6% | |
| T. ROWE PRICE RET 2055 TR-K T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | $5K | $180K | 7.3% | |
| T. ROWE PRICE RET 2040 TR-K T. ROWE PRICE TRUST COMPAY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | $5K | $178K | 7.2% | |
| T. ROWE PRICE RET 2030 TR-K T.ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | $4K | $125K | 5.0% | |
| T. ROWE PRICE RET 2060 TR-K T. ROWE PRICE COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | $3K | $72K | 2.9% | |
| T. ROWE PRICE RET 2015 TR-K 2015 T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | $1K | $32K | 1.3% | |
| Fidelity 500 Index 153 | — | — | — | $31K | 1.3% | |
| T. ROWE PRICE RET 2065 TR-K T. ROWE PRICE COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | $1K | $18K | 0.7% | |
| T. ROWE PRICE RET 2010 TR-K T.ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $13K | 0.5% | |
| (Modified Cash Basis) December 31, 2024 Investment Type and Issuer Shares/Units Current Value Mutual Funds Fidelity Total International Index 912 | — | — | — | $12K | 0.5% | |
| Allspring Special Small Cap Value R6 299 | — | — | — | $12K | 0.5% | |
| JPMorgan Large Cap Growth R6 119 | — | — | — | $10K | 0.4% | |
| MFS MID CA GROWTH FUND T. ROWE PRICE TRUST COMPANY · EIN 35-2425738 / PN 001 | Common Collective Trust | — | — | $6K | 0.2% |
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