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Original filing (PDF)20250818080743NAL0001050033001
CORNERSTONE MONTGOMERY, INC.
Form 5500
FILING_RECEIVED
CORNERSTONE MONTGOMERY, INC. 403(B) RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
574
Accounts w/ balance
256
Plan assets (EOY)
$17.5M
Net assets (EOY)
$17.5M
How this plan invests
This plan
46 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Vendor stack
80
Participation health
65
Knocking points off
- 36 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 45% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CORNERSTONE MONTGOMERY, INC..
Plan sponsor
Name
CORNERSTONE MONTGOMERY, INC.
EIN
52-0937199
Address
2 TAFT COURT · SUITE 200 · ROCKVILLE, MD · 208501390
Phone
(240) 614-4239
Industry
Health Care & Social Assistancesee 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
2025-08-18
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KESTRA ADVISORY SERVICES, LLC | 35-2552359 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $62K | — |
Investments
46 direct securities· $15.3M(87% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Lincoln LVIP American Growth Fund | — | — | — | $1.7M | 9.9% | |
| Principal Life Insurance Company Fixed Income Guaranteed Option | — | — | — | $1.7M | 9.8% | |
| Vanguard Group Vanguard Total Bond Market Index Admiral Fund | — | — | — | $1.5M | 8.7% | |
| Lincoln National Life Insurance Co. Fixed Account | — | — | — | $1.4M | 7.8% | |
| Vanguard Group Vanguard Developed Markets Index | — | — | — | $1.2M | 6.8% | |
| Lincoln LVIP SSGA S&P 500 Index Fund | — | — | — | $1.0M | 5.9% | |
| Lincoln LVIP Dimensional US Core Equity 1 | — | — | — | $956K | 5.5% | |
| AB LP AB Large Cap Growth Z Fund | — | — | — | $816K | 4.7% | |
| Vanguard Group Vanguard 500 Index Admiral Fund | — | — | — | $787K | 4.5% | |
| Vanguard Group Vanguard Inflation-Protection Securities Admiral Fund 148 Vanguard Group Vanguard Equity-Income Admiral Fund | — | — | — | $757K | 4.3% | |
| Lincoln LVIP American Growth-Income Fund | — | — | — | $389K | 2.2% | |
| Vanguard Group Vanguard Mid Cap Index Admiral Fund | — | — | — | $272K | 1.6% | |
| Vanguard Group Vanguard Small Cap Index Admiral Fund | — | — | — | $271K | 1.5% | |
| Lincoln LVIP Blended Large Cap Growth Managed Volatility Fund | — | — | — | $261K | 1.5% | |
| Macquarie Small Cap Value R6 F | — | — | — | $221K | 1.3% | |
| American Century Inv. Mgmt. American Century Mid-Cap Value R6 Fund | — | — | — | $202K | 1.2% | |
| MFS Investment Management MFS Mid-Cap Growth R6 Fund | — | — | — | $187K | 1.1% | |
| Lincoln LVIP American International Fund | — | — | — | $168K | 1.0% | |
| Vanguard Group Vanguard Explorer Admiral Fund | — | — | — | $156K | 0.9% | |
| Lincoln LVIP T. Rowe Price Structured Mid Cap | — | — | — | $155K | 0.9% | |
| MFS Investment Management MFS International Intrinsic Value R6 Fund | — | — | — | $149K | 0.9% | |
| Lincoln LVIP BlackRock Dividend Value Managed Volatility Fund | — | — | — | $144K | 0.8% | |
| T. Rowe Price Associates, Inc. T. Rowe Price Dividend Growth I Fund | — | — | — | $132K | 0.8% | |
| Various Maturities | — | — | — | $125K | 0.7% | |
| Lincoln LVIP SSGA Small-Cap Index Fund | — | — | — | $110K | 0.6% | |
| Lincoln LVIP Mondrain International Value | — | — | — | $63K | 0.4% | |
| Lincoln LVIP Fidelity VIP Contrafund | — | — | — | $63K | 0.4% | |
| Lincoln LVIP American Global Growth Fund | — | — | — | $60K | 0.3% | |
| AB LP AB Sustainable Global Thematic Fund | — | — | — | $54K | 0.3% | |
| Lincoln LVIP Baron Growth Opportunities Fund | — | — | — | $46K | 0.3% | |
| MFS Investment Management MFS Utilities Fund | — | — | — | $30K | 0.2% | |
| Lincoln LVIP Macquarie Bond | — | — | — | $28K | 0.2% | |
| Lincoln LVIP T. Rowe Price 2040 Fund | — | — | — | $16K | <0.1% | |
| PIMCO Income Institutional Fund | — | — | — | $15K | <0.1% | |
| Lincoln LVIP Fidelity VIP Growth | — | — | — | $13K | <0.1% | |
| Capital Research and Mgmt Co American Funds New Perspective R6 Fund | — | — | — | $12K | <0.1% | |
| Lincoln LVIP Global Moderate Allocation Managed Risk | — | — | — | $9K | <0.1% | |
| Lincoln LVIP BlackRock Global Allocation Fund | — | — | — | $9K | <0.1% | |
| (E) | — | — | — | $7K | <0.1% | |
| Vanguard Group Vanguard Real Estate Index Admiral Fund | — | — | — | $7K | <0.1% | |
| Admiral Fund Fidelity Total Bond K6 Fund | — | — | — | $6K | <0.1% | |
| Lord Abbett & Co, LLC Lord Abbett High Yield R6 Fund | — | — | — | $5K | <0.1% | |
| Lincoln LVIP Global Growth Allocation Managed Risk | — | — | — | $4K | <0.1% | |
| Growth * Lincoln LVIP T. Rowe Price 2030 Fund | — | — | — | $3K | <0.1% | |
| AB LP AB Global Bond Z Fund | — | — | — | $3K | <0.1% | |
| Lincoln LVIP JPMorgan Retirement Income Fund | — | — | — | $3K | <0.1% |
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