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Original filing (PDF)20251015144434NAL0006629168001
RAFT, LLC
Form 5500
FILING_RECEIVED
RAFT LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
1 failed disclosure35% in single holding
Active participants
328
Accounts w/ balance
398
Plan assets (EOY)
$12.8M
Net assets (EOY)
$12.8M
How this plan invests
This plan
19 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)
92
/ 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
85
Concentration risk
82
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- Top holding "flexPATH Index+ Moderate 2055 Fund Class R1 Interest in common/collective trust xx" is 35% of plan.
Helping the score
- Below-peer total fees (13 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RAFT, LLC.
Plan sponsor
Name
RAFT, LLC
EIN
46-2689810
Address
1660 INTERNATIONAL DRIVE · SUITE 800 · MCLEAN, VA · 22102
Phone
(703) 570-4820
Industry
Custom Computer Programming· 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
2025-10-15
Pension benefit codes
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)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
SCH ATTEST SERVICES PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $9K | — |
| GUIDELINE, INC | 47-4474775 | — | RECORDKEEPER | $8K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
15 direct securities · 19 pooled funds· $12.9M(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
$10.1M
19 holdings
Uncategorized
$2.8M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FLEXPATH MOD 2055 R1 GREAT GRAY TRUST COMPANY · EIN 47-2563528 / PN 223 | Common Collective Trust | — | — | $4.5M | 35.3% | |
| FLEXPATH MOD 2045 R1 GREAT GRAY TRUST COMPANY · EIN 47-2516187 / PN 220 | Common Collective Trust | — | — | $2.9M | 23.1% | |
| FLEXPATH MOD 2065 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7271379 / PN 760 | Common Collective Trust | — | — | $1.4M | 10.9% | |
| Fidelity 500 Index Fund Interest in registered investment companies xx | — | — | — | $1.4M | 10.8% | |
| FLEXPATH MOD 2035 R1 GREAT GRAY TRUST COMPANY · EIN 47-2478524 / PN 217 | Common Collective Trust | — | — | $575K | 4.5% | |
| Fidelity Blue Chip Growth K6 Fund Interest in registered investment companies xx | — | — | — | $412K | 3.2% | |
| Gabelli U.S. Treasury Money Market Fund Interest bearing cash xx | — | — | — | $240K | 1.9% | |
| maturing through November 2029 - | — | — | — | $222K | 1.7% | |
| flexPATH Index Moderate Retirement Fund Class R1 Interest in common/collective trust xx | — | — | — | $105K | 0.8% | |
| FLEXPATH MOD RET R1 GREAT GRAY TRUST COMPANY · EIN 47-2248665 / PN 211 | Common Collective Trust | — | — | $105K | 0.8% | |
| FLEXPATH CON 2055 R1 GREAT GRAY TRUST COMPANY · EIN 47-2575758 / PN 224 | Common Collective Trust | — | — | $93K | 0.7% | |
| Fidelity Small Cap Index Fund Interest in registered investment companies xx | — | — | — | $88K | 0.7% | |
| LARGE CP VALUE I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $86K | 0.7% | |
| FLEXPATH AGR 2045 R1 GREAT GRAY TRUST COMPANY · EIN 47-2503540 / PN 219 | Common Collective Trust | — | — | $86K | 0.7% | |
| Fidelity Small Cap Growth K6 Fund Interest in registered investment companies xx | — | — | — | $80K | 0.6% | |
| FLEXPATH AGR 2065 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7271378 / PN 759 | Common Collective Trust | — | — | $69K | 0.5% | |
| INTERNATIONAL EQ I1 GREAT GRAY TRUST COMPANY · EIN 38-4139853 / PN 631 | Common Collective Trust | — | — | $65K | 0.5% | |
| Fidelity U.S. Sustainability Index Fund Interest in registered investment companies xx | — | — | — | $59K | 0.5% | |
| Fidelity U.S. Bond Index Fund Interest in registered investment companies xx | — | — | — | $58K | 0.5% | |
| Fidelity International Index Fund Interest in registered investment companies xx | — | — | — | $56K | 0.4% | |
| Fidelity Mid Cap Index Fund Interest in registered investment companies xx | — | — | — | $55K | 0.4% | |
| C&S US REALTY RS SEI TRUST COMPANY · EIN 46-3411346 / PN 064 | Common Collective Trust | — | — | $44K | 0.3% | |
| FLEXPATH AGR 2055 R1 GREAT GRAY TRUST COMPANY · EIN 47-2554270 / PN 222 | Common Collective Trust | — | — | $40K | 0.3% | |
| SMALL CAP VAL III I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7289846 / PN 001 | Common Collective Trust | — | — | $30K | 0.2% | |
| MID CAP GROWTH II I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7304118 / PN 001 | Common Collective Trust | — | — | $17K | 0.1% | |
| EMERGING MKTS II I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7304135 / PN 001 | Common Collective Trust | — | — | $11K | <0.1% | |
| Fidelity Inflation-Prot Bd Index Fund Interest in registered investment companies xx | — | — | — | $9K | <0.1% | |
| Fidelity Total Bond K6 Fund Interest in registered investment companies xx | — | — | — | $7K | <0.1% | |
| FLEXPATH AGR 2035 R1 GREAT GRAY TRUST COMPANY · EIN 47-2468898 / PN 216 | Common Collective Trust | — | — | $5K | <0.1% | |
| GG MFS MID CP VAL 2W GREAT GRAY TRUST COMPANY, LLC · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $5K | <0.1% | |
| Conversion Account Interest bearing cash xx | — | — | — | $2K | <0.1% | |
| FLEXPATH CON 2065 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7271380 / PN 761 | Common Collective Trust | — | — | $2K | <0.1% | |
| flexPATH Index+ Aggressive Retirement Fund Class R1 Interest in common/collective trust xx | — | — | — | $2K | <0.1% | |
| FLEXPATH AGR RET R1 GREAT GRAY TRUST COMPANY · EIN 47-2238264 / PN 210 | Common Collective Trust | — | — | $2K | <0.1% |
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