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Original filing (PDF)20250925110526NAL0012044674001
SYSTEMS SERVICE ENTERPRISES, INC.
Form 5500
FILING_RECEIVED
SYSTEMS SERVICE ENTERPRISES, INC. RETIREMENT INVESTMENT PLAN
401(k) retirement plan
Signals · 3
37% in single holding~84 bps in Sched C feesNo recordkeeper disclosed
Active participants
158
Accounts w/ balance
103
Plan assets (EOY)
$7.3M
Net assets (EOY)
$7.3M
How this plan invests
This plan
13 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
82
Total plan cost
65
Vendor stack
80
Participation health
80
Knocking points off
- Top holding "Vanguard 500 Index Admiral" is 37% of plan.
- 84 bps in Schedule C fees — 62% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 65% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SYSTEMS SERVICE ENTERPRISES, INC..
Plan sponsor
Name
SYSTEMS SERVICE ENTERPRISES, INC.
EIN
43-0838056
Address
9666 OLIVE BLVD, SUITE 710 · ST. LOUIS, MO · 63132
Phone
(314) 439-4700
Industry
Professional & Technical Servicessee 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
2025-09-25
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
ARMANINO, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ACROPOLIS INVESTMENT MANAGEMENT | 32-0016216 | — | NONE | $31K | — |
| ARMANINO LLP | 94-6214841 | — | NONE | $19K | — |
| PCS RETIREMENT, LLC | 23-3038464 | — | NONE | $12K | — |
Investments
13 direct securities· $7.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Admiral | — | — | — | $2.7M | 36.6% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $1.2M | 16.1% | |
| Vanguard Total International Stock Index Admiral | — | — | — | $1.1M | 15.1% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $900K | 12.3% | |
| Vanguard Small Cap Index Admiral | — | — | — | $690K | 9.4% | |
| Vanguard Growth and Income Admiral | — | — | — | $288K | 3.9% | |
| Vanguard Balanced Index Admiral | — | — | — | $210K | 2.9% | |
| Vanguard Developed Markets Index Admiral | — | — | — | $86K | 1.2% | |
| Vanguard Short-Term Federal Admiral | — | — | — | $57K | 0.8% | |
| Vanguard Inflation-Protected Securities Admiral | — | — | — | $45K | 0.6% | |
| Vanguard Intermediate-Term Treasury Admiral | — | — | — | $38K | 0.5% | |
| Invesco Premier U.S. Government Money Portfolio | — | — | — | $29K | 0.4% | |
| Notes receivable from participants interest rates from * Participant loans 4.25% to 9.5% maturities through June 2030 - | — | — | — | $10K | 0.1% |
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