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Original filing (PDF)20251015142734NAL0006422192001
COMMUNITY CHANGE
Form 5500
FILING_RECEIVED
COMMUNITY CHANGE RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
103
Accounts w/ balance
181
Plan assets (EOY)
$18.1M
Net assets (EOY)
$18.1M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COMMUNITY CHANGE.
Plan sponsor
Name
COMMUNITY CHANGE
EIN
52-0888113
Address
PO BOX 5685 · FREDERICKSBURG, VA · 22403
Phone
(301) 651-2555
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2S · Automatic enrollment
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
GELMAN, ROSENBERG & FREEDMAN, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RAFFA WEALTH MANAGEMENT, LLC | 20-3107658 | — | NONE | $34K | — |
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $19K | — |
Investments
33 direct securities· $18.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $2.5M | 13.8% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $2.2M | 12.0% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $2.1M | 11.4% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $1.9M | 10.3% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $1.7M | 9.3% | |
| Vanguard 500 Index Adm Vanguard 0 | — | — | — | $1.3M | 7.4% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $906K | 5.0% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $901K | 5.0% | |
| Nuveen Large Cap Responsible Equity R6 Nuveen 0 | — | — | — | $731K | 4.0% | |
| Vanguard Mid Cap Index Adm Vanguard 0 | — | — | — | $441K | 2.4% | |
| DFA U.S. Sustainability Core 1 Portfl I DFA 0 | — | — | — | $434K | 2.4% | |
| Vanguard Target Retirement Income Fund Vanguard 0 | — | — | — | $430K | 2.4% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $422K | 2.3% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $374K | 2.1% | |
| Vanguard FTSE All-World ex-US Idx Adm Vanguard 0 | — | — | — | $285K | 1.6% | |
| Vanguard Small-Cap Index Adm Vanguard 0 | — | — | — | $276K | 1.5% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $172K | 1.0% | |
| Nuveen International Resp Equity R6 Nuveen 0 | — | — | — | $169K | 0.9% | |
| Vanguard Interm-Term Treasury Adm Vanguard 0 | — | — | — | $167K | 0.9% | |
| Calvert Short Duration Income R6 Calvert 0 | — | — | — | $156K | 0.9% | |
| Nuveen Core Impact Bond R6 Nuveen 0 | — | — | — | $122K | 0.7% | |
| Vanguard Total Bond Market Index Adm Vanguard 0 | — | — | — | $82K | 0.5% | |
| DFA Emerging Markets Portfolio Inst DFA 0 | — | — | — | $77K | 0.4% | |
| DFA Emerg Mkts Sustain Core 1 Port I DFA 0 | — | — | — | $65K | 0.4% | |
| DFA U.S. Core Equity I DFA 0 | — | — | — | $55K | 0.3% | |
| DFA Real Estate Securities Portfolio I DFA 0 | — | — | — | $51K | 0.3% | |
| Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $43K | 0.2% | |
| Vanguard Short-Term Bond Index Adm Vanguard 0 | — | — | — | $42K | 0.2% | |
| DFA International Value Portfolio I DFA 0 | — | — | — | $32K | 0.2% | |
| DFA Intl Small Company Port Instl DFA 0 | — | — | — | $28K | 0.2% | |
| Vanguard Developed Mkts Index Adm Vanguard 0 | — | — | — | $12K | <0.1% | |
| Vanguard Total Intl Bond Index Adm Vanguard 0 | — | — | — | $3K | <0.1% | |
| DFA Intl Sustainability Core 1 Portfl I DFA 0 | — | — | — | $1K | <0.1% |
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