Original filing (PDF)20231013183145NAL0022595747001

CORNERSTONE EMPLOYER SOLUTIONS

Name: CORNERSTONE EMPLOYER SOLUTIONS — CORNERSTONE EMPLOYER SOLUTIONS RETIREMENT SAVINGS PLAN, Form 5500 (2022)
Creator: CORNERSTONE EMPLOYER SOLUTIONS

Form 5500

FILING_RECEIVED

CORNERSTONE EMPLOYER SOLUTIONS RETIREMENT SAVINGS PLAN

401(k) retirement plan

Signals · 3

No ERISA fidelity bondCorrective distributions issuedNo recordkeeper disclosed

Active participants

2,282

Accounts w/ balance

1,715

Plan assets (EOY)

$59.0M

Net assets (EOY)

$59.0M

How this plan invests

This plan

83 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).
No ERISA fidelity bond reported.
Total administrative cost in the bottom quartile of peers (11th percentile).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (9th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for CORNERSTONE EMPLOYER SOLUTIONS.

Plan sponsor

Name

CORNERSTONE EMPLOYER SOLUTIONS

EIN

47-1197332all filings

Address

721 EMERSON RD STE 500 · SAINT LOUIS, MO · 631416757

Phone

(314) 373-2902

Industry

Admin Support & Waste Mgmtsee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

333

Plan year

2022

Plan year begin

2022-01-01

Tax period

2022-12-31

Filed

2023-10-13

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)

2V · PEO multiple-employer plan

3D · Pre-approved plan (master / prototype / VS)

Service providers (Schedule C)

4 rows

Investment manager

Name	EIN	Location	Relation	Direct comp	Indirect comp
SLAVIC MUTUAL FUND MANAGEMENT CORP	59-2749576	—	PORTFOLIO MANAGEMENT	$56K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
CORNERSTONE INSURANCE GROUP	—	—	INVESTMENT ADVISOR	$6K	—

Investments

83 direct securities· $115.6M(100% of reported assets)

Mutual Funds

$66.8M

66 holdings

Common Collective Trusts

$39.6M

5 holdings

Other securities

$8.2M

10 holdings

Bonds / Notes

$1.0M

2 holdings

					% of plan
Vanguard Total Stock Market Index Admiral 104,898 Shares	Common Collective Trusts	—	$105K	$12.3M	20.9%
Vanguard Total Stock Market Index Admiral 123,943 Shares	Common Collective Trusts	—	$124K	$11.5M	19.5%
Fidelity 500 Index Premium Class 42,102 Shares	Common Collective Trusts	—	$42K	$7.0M	11.8%
Vanguard Intermediate-Term Bond Index Admiral 654,861 Shares	Mutual Funds	—	$655K	$6.6M	11.2%
Fidelity 500 Index Premium Class 49,092 Shares	Common Collective Trusts	—	$49K	$6.5M	11.1%
Vanguard Federal Money Market 6,147,488 Shares	Mutual Funds	—	$6.1M	$6.1M	10.4%
Vanguard Short Term Federal Admiral 552,990 Shares	Mutual Funds	—	$553K	$6.0M	10.1%
Vanguard Federal Money Market 5,481,431 Shares	Mutual Funds	—	$5.5M	$5.5M	9.3%
iShares MSCI EAFE International Index K 258,731 Shares	Other securities	—	$259K	$3.4M	5.8%
Vanguard Growth Index Admiral 18,231 Shares	Mutual Funds	—	$18K	$3.0M	5.1%
American Funds EuroPacific Growth R6 45,385 Shares	Mutual Funds	—	$45K	$2.9M	5.0%
Vanguard Growth Index Admiral 20,561 Shares	Mutual Funds	—	$21K	$2.3M	3.8%
Vanguard Consumer Staples Index Fund 23,294 Shares	Common Collective Trusts	—	$23K	$2.2M	3.7%
Vanguard Small Cap Index Admiral 20,004 Shares	Mutual Funds	—	$20K	$2.2M	3.7%
Vanguard Mid Cap Index Admiral 6,460 Shares	Mutual Funds	—	$6K	$2.0M	3.5%
Vanguard Target Retirement 2030 59,074 Shares	Mutual Funds	—	$59K	$1.9M	3.1%
Vanguard Small Cap Index Admiral 18,428 Shares	Mutual Funds	—	$18K	$1.6M	2.7%
Vanguard Mid Cap Index Admiral 6,389 Shares	Mutual Funds	—	$6K	$1.6M	2.7%
Vanguard Information Technology Index 5,822 Shares	Mutual Funds	—	$6K	$1.4M	2.3%
Fidelity US Bond Index 116,485 Shares	Mutual Funds	—	$116K	$1.2M	2.0%
iShares MSCI EAFE International Index K 70,153 Shares	Other securities	—	$70K	$1.1M	1.9%
Vanguard Target Retirement 2035 34,651 Shares	Mutual Funds	—	$35K	$1.1M	1.9%
Vanguard Target Retirement 2030 35,465 Shares	Mutual Funds	—	$35K	$1.1M	1.8%
Vanguard Target Retirement 2040 Fund 30,493 Shares	Mutual Funds	—	$30K	$1.0M	1.8%
Vanguard Target Retirement 2035 52,053 Shares	Mutual Funds	—	$52K	$1.0M	1.7%
JPMorgan Discipline Equity 26,942 Shares	Other securities	—	$27K	$988K	1.7%
Vanguard Industrial Index Admiral 9,381 Shares	Mutual Funds	—	$9K	$978K	1.7%
Vanguard Target Retirement 2045 28,136 Shares	Mutual Funds	—	$28K	$959K	1.6%
Vanguard Mid Cap Growth Investor 34,426 Shares	Mutual Funds	—	$34K	$929K	1.6%
Fidelity Total Bond 29 Shares 320 * Fidelity US Bond Index 75,426 Shares	Mutual Funds	—	$75K	$904K	1.5%
Vanguard Mid Cap Growth Investor 46,024 Shares	Mutual Funds	—	$46K	$866K	1.5%
JPMorgan U.S. Research Enhanced Equity 28,066 Shares	Other securities	—	$28K	$820K	1.4%
DFA US Large Cap Value Prtf Instl 18,120 Shares	Mutual Funds	—	$18K	$752K	1.3%
American Funds EuroPacific Growth R6 14,777 Shares	Mutual Funds	—	$15K	$725K	1.2%
Vanguard Small Cap Growth Index Adm 7,174 Shares	Mutual Funds	—	$7K	$710K	1.2%
Vanguard REIT Index Admiral 4,297 Shares	Mutual Funds	—	$4K	$706K	1.2%
Vanguard Small Cap Growth Index Adm 9,386 Shares	Mutual Funds	—	$9K	$662K	1.1%
Vanguard Target Retirement 2025 22,348 Shares	Mutual Funds	—	$22K	$656K	1.1%
DFA US Large Cap Value Prtf Instl 14,005 Shares	Mutual Funds	—	$14K	$645K	1.1%
John Hancock Bond I 48,205 Shares	Other securities	—	$48K	$642K	1.1%
Participant Loans 4.25% - 7.25% -	Bonds / Notes	—	—	$629K	1.1%
John Hancock Bond I 38,634 Shares	Other securities	—	$39K	$626K	1.1%
DFA Emerging Markets Core Equity Portfolio 30,575 Shares	Mutual Funds	—	$31K	$616K	1.0%
Vanguard Target Retirement 2050 Fund 17,845 Shares	Mutual Funds	—	$18K	$611K	1.0%
Vanguard Mid Cap Value Index Admiral 8,417 Shares	Mutual Funds	—	$8K	$590K	1.0%
Vanguard Real Estate Index Admiral 4,573 Shares	Mutual Funds	—	$5K	$534K	0.9%
Vanguard Target Retirement 2050 Fund 13,187 Shares	Mutual Funds	—	$13K	$498K	0.8%
Vanguard Mid Cap Value Index Admiral 6,321 Shares	Mutual Funds	—	$6K	$492K	0.8%
Vanguard Target Retirement 2045 20,676 Shares	Mutual Funds	—	$21K	$472K	0.8%
DFA Emerging Markets Core Equity Portfolio 16,594 Shares	Mutual Funds	—	$17K	$416K	0.7%