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Original filing (PDF)20250930141522NAL0005536675001
FORWARD FINANCING LLC
Form 5500
FILING_RECEIVED
FORWARD FINANCING LLC RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
202
Accounts w/ balance
263
Plan assets (EOY)
$18.3M
Net assets (EOY)
$18.3M
How this plan invests
This plan
3 pooled trusts
Schedule D
27 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
- 60 bps in Schedule C fees — 108% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FORWARD FINANCING LLC.
Plan sponsor
Name
FORWARD FINANCING LLC
EIN
46-1472077
Address
53 STATE STREET - 20TH FLOOR · BOSTON, MA · 02109
Phone
(888) 244-9099
Industry
Finance & Insurancesee 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
2025-09-30
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KAHN, LITWIN, RENZA & CO., LTD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | CONSULTANT | $54K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $50K | — |
| THE MANDMARBLESTONE GROUP LLC | 20-4780677 | — | CONTRACT ADMINISTRATOR | $6K | — |
Investments
25 direct securities · 3 pooled funds· $18.8M(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
$17.5M
25 holdings
Pooled Separate Account
$1.3M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2060 Target Date Retirement Fund | — | — | — | $3.3M | 17.8% | |
| American Funds 2055 Target Date Retirement Fund | — | — | — | $2.8M | 15.4% | |
| Vanguard 500 Index Fund | — | — | — | $2.7M | 14.8% | |
| American Funds 2050 Target Date Retirement Fund | — | — | — | $1.7M | 9.3% | |
| American Funds 2045 Target Date Retirement Fund | — | — | — | $1.4M | 7.8% | |
| Goldman Sachs Large Cap Growth Insights Fund | — | — | — | $1.4M | 7.8% | |
| American Funds 2065 Target Date Retirement Fund | — | — | — | $720K | 3.9% | |
| Principal Liquid Asset Account | — | — | — | $512K | 2.8% | |
| PRIN LIQUID ASSETS SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 024 | Pooled Separate Account | — | — | $512K | 2.8% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $493K | 2.7% | |
| American Funds 2035 Target Date Retirement Fund | — | — | — | $402K | 2.2% | |
| JP Morgan Equity Income Fund | — | — | — | $381K | 2.1% | |
| Vanguard Mid-Cap Growth Index Fund | — | — | — | $303K | 1.7% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $291K | 1.6% | |
| Macquarie International Core Equity Fund | — | — | — | $268K | 1.5% | |
| Vanguard Small-Cap Value Index Fund | — | — | — | $219K | 1.2% | |
| American Funds 2030 Target Date Retirement Fund | — | — | — | $217K | 1.2% | |
| Fidelity Total International Index Fund | — | — | — | $206K | 1.1% | |
| Voya Intermediate Bond Fund | — | — | — | $133K | 0.7% | |
| American Funds 2040 Target Date Retirement Fund | — | — | — | $122K | 0.7% | |
| Janus Henderson Triton Fund | — | — | — | $121K | 0.7% | |
| Allspring Special Mid-Cap Value Retirement Fund | — | — | — | $110K | 0.6% | |
| PGIM High Yield Fund | — | — | — | $93K | 0.5% | |
| American Century Emerging Markets Fund | — | — | — | $90K | 0.5% | |
| Cohen & Steers Real Estate Securities Fund | — | — | — | $86K | 0.5% | |
| various dates through February 2030, collateralized * by participant account balances - | — | — | — | $80K | 0.4% | |
| Vanguard GNMA Fund | — | — | — | $70K | 0.4% | |
| American Century Short Duration Inflation Protection Bond Fund | — | — | — | $24K | 0.1% |