Original filing (PDF)20250925153300NAL0003620371001

Insero & Co. CPAS, LLP

Name: Insero & Co. CPAS, LLP — Insero & Co. CPAS, LLP, Form 5500 (2024)
Creator: Insero & Co. CPAS, LLP
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Insero & Co. CPAS, LLP 401(k) Plan

401(k) retirement plan · Insero & Co. CPAS, LLP's Insero & Co. CPAS, LLP 401(k) Plan held $25.6M in plan assets for 131 participants in 2024, with USI Consulting Group, Inc. as recordkeeper.

Signals · 3

1 failed disclosureCorrective distributions issued6 service providers

Active participants

131

Accounts w/ balance

175

Plan assets (EOY)

$25.6M

Net assets (EOY)

$25.6M

How this plan invests

This plan

31 securities

funds · stocks · CUSIPs

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

Plan health score

Above-average plan

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

1 Schedule C provider failed to disclose compensation.
Corrective distributions issued (likely failed ADP/ACP testing).

Helping the score

High average account balance (88th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for INSERO & CO. CPAS, LLP.

Plan sponsor

Name

INSERO & CO. CPAS, LLP

EIN

47-5324570all filings

Address

300 CLINTON SQUARE · ROCHESTER, NY · 14604

Phone

(800) 232-9547

Industry

CPA Offices· Professional & Technical Services

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

2S · Automatic enrollment

2T · Default investment account (QDIA)

3B · Covers self-employed individuals

Service providers (Schedule C)

6 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
USI CONSULTING GROUP, INC.	06-1053228	ROCHESTER, NY	RECORDKEEPER	$49K	—
NEWPORT GROUP	27-2037969	—	TRUSTEE	$6K	—
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$5K	—

Advisor / Consultant

Failed / refused disclosures (Sched C Part 2)

Provider	Nondisclosure info
—	—

Investments

31 direct securities· $25.6M(100% of reported assets)

Mutual Funds

$24.2M

27 holdings

Common Collective Trusts

$1.3M

2 holdings

Other securities

$168K

2 holdings

					% of plan
Vanguard Target Retirement 2035	Mutual Funds	—	—	$4.8M	18.6%
Vanguard Target Retirement 2030	Mutual Funds	—	—	$4.3M	16.9%
Vanguard Target Retirement 2025	Mutual Funds	—	—	$2.4M	9.5%
Vanguard Target Retirement 2055	Mutual Funds	—	—	$2.4M	9.3%
Vanguard Target Retirement 2040	Mutual Funds	—	—	$2.2M	8.6%
Vanguard Target Retirement 2050	Mutual Funds	—	—	$2.0M	7.7%
Vanguard Target Retirement Income	Mutual Funds	—	—	$1.6M	6.2%
Vanguard Target Retirement 2060	Mutual Funds	—	—	$1.2M	4.8%
Fidelity 500 Index	Common Collective Trusts	—	—	$1.2M	4.7%
Vanguard Target Retirement 2045	Mutual Funds	—	—	$750K	2.9%
Vanguard Target Retirement 2020	Mutual Funds	—	—	$702K	2.7%
Vanguard Target Retirement 2065	Mutual Funds	—	—	$353K	1.4%
Vanguard Growth Index	Mutual Funds	—	—	$336K	1.3%
Vanguard Mid Cap Value Index	Mutual Funds	—	—	$300K	1.2%
February 2031. Cost basis -0-.	Other securities	—	—	$166K	0.6%
Fidelity International Index	Mutual Funds	—	—	$148K	0.6%
Fidelity Small Cap Index	Mutual Funds	—	—	$134K	0.5%
Fidelity Intermediate Term Bond Index	Mutual Funds	—	—	$108K	0.4%
Vanguard Total Bond Market	Mutual Funds	—	—	$83K	0.3%
Fidelity Short Term Bond Index	Mutual Funds	—	—	$68K	0.3%
Fidelity Inflation Protected Bond Index	Mutual Funds	—	—	$65K	0.3%
Vanguard Emerging Mkts Stock Index	Mutual Funds	—	—	$59K	0.2%
Vanguard Total International Stock	Mutual Funds	—	—	$58K	0.2%
Vanguard Total Stock Market Index	Common Collective Trusts	—	—	$53K	0.2%
Fidelity Large Cap Value Index	Mutual Funds	—	—	$39K	0.2%
Money Market Fund * Fidelity Government Money Market	Mutual Funds	—	—	$27K	0.1%
Vanguard Small Cap Growth Index	Mutual Funds	—	—	$23K	<0.1%
Fidelity Real Estate Investment Portfolio	Mutual Funds	—	—	$21K	<0.1%
Vanguard Mid Cap Growth Index	Mutual Funds	—	—	$18K	<0.1%
Fidelity Mid Cap Index	Mutual Funds	—	—	$17K	<0.1%
Federated Hermes Max Cap Index	Other securities	—	—	$2K	<0.1%