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Original filing (PDF)20251014174529NAL0007038306001
CENTRAL RESEARCH, INC.
Form 5500
FILING_RECEIVED
CENTRAL RESEARCH 401(K) PLAN
401(k) retirement plan
Signals · 1
~82 bps in Sched C fees
Active participants
276
Accounts w/ balance
241
Plan assets (EOY)
$6.4M
Net assets (EOY)
$6.4M
How this plan invests
This plan
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 82 bps in Schedule C fees — 57% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CENTRAL RESEARCH, INC..
Plan sponsor
Name
CENTRAL RESEARCH, INC.
EIN
51-0353006
Address
122 N BLOOMINGTON, SUITE I · LOWELL, AR · 72745
Phone
(479) 419-5456
Industry
Admin Support & Waste Mgmtsee 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
2025-10-14
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $43K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SIGNATURE ESTATE SECURITIES INC | — | LOS ANGELES, CA | BROKER/ADVISER | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PBMARES, LLP | 57-0737372 | — | CONTRACT ADMIN | $10K | — |
Investments
25 direct securities· $6.4M(100% of reported assets)
Uncategorized
$6.2M
23 holdings
Guaranteed Income / GIC
$216K
1 holding
Mutual Funds
$49K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Empower Lifetime 2025 Fund Svc; 94,584.562 shares | — | — | $95K | $1.3M | 20.1% | |
| Empower Lifetime 2055 Fund Svc; 66,813.506 shares | — | — | $67K | $1.2M | 18.2% | |
| Empower Lifetime 2035 Fund Svc; 82,241.668 shares | — | — | $82K | $1.1M | 17.3% | |
| Empower Lifetime 2045 Fund Svc; 69,853.484 shares | — | — | $70K | $936K | 14.5% | |
| Empower S&P 500 Index Fund Inv; 12,489.627 shares | — | — | $12K | $470K | 7.3% | |
| JP Morgan JP Morgan Large Cap Growth R3; 4,671.967 shares | — | — | $5K | $364K | 5.6% | |
| Empower Lifetime 2015 Fund Svc; 16,947.968 shares | — | — | $17K | $219K | 3.4% | |
| * Empower Key Guaranteed Portfolio Fund; N/A | Guaranteed Income / GIC | — | — | $216K | 3.4% | |
| American Funds American Funds New Perspective; 1,806.154 shares | — | — | $2K | $108K | 1.7% | |
| Empower S&P Smcap 600 Index Fund; 7,886.355 shares | — | — | $8K | $104K | 1.6% | |
| Baird Mid Cap Inv; 4,577.757 shares | — | — | $5K | $97K | 1.5% | |
| Macquarie Small Cap Core A Mutual Funds; 1,995.031 shares | — | — | $2K | $59K | 0.9% | |
| AllianceBernstein AB Global Bond A; 7,074.109 shares | Mutual Funds | — | $7K | $49K | 0.8% | |
| MFS International Diversification R3; 1,923.394 shares | — | — | $2K | $43K | 0.7% | |
| Empower S&P Midcap 400 Index Fund Inv; 2,012.584 shares | — | — | $2K | $42K | 0.7% | |
| Janus Henderson Janus Henderson Venture S; 424.18 shares | — | — | — | $32K | 0.5% | |
| American Funds American Funds New World Fund R3; 371.65 shares | — | — | — | $28K | 0.4% | |
| Allspring Special Mid Cap Value A; 557.814 shares | — | — | — | $26K | 0.4% | |
| Blackrock Equity Dividend A; 1,157.881 shares | — | — | $1K | $22K | 0.3% | |
| JP Morgan JP Morgan Core Plus Bond R3; 1,529.516 shares | — | — | $2K | $11K | 0.2% | |
| Empower International Index Fund Inv; 843.969 shares | — | — | — | $10K | 0.2% | |
| PGIM High-Yield R2; 1,936.445 shares | — | — | $2K | $9K | 0.1% | |
| Macquarie Small Cap Value A Mutual Funds; 74.71 shares | — | — | — | $5K | <0.1% | |
| PIMCO Real Return Admin; 197.606 shares | — | — | — | $2K | <0.1% | |
| Empower Bond Index Fund Inv; 104.464 shares | — | — | — | $1K | <0.1% |
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