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Original filing (PDF)20251010085114NAL0007395793001
RICHCROFT, INC.
Form 5500
FILING_RECEIVED
EMPLOYEE BENEFIT PLAN OF RICHCROFT, INC.
401(k) retirement plan
Active participants
610
Accounts w/ balance
246
Plan assets (EOY)
$6.0M
Net assets (EOY)
$6.0M
How this plan invests
This plan
1 pooled trust
Schedule D
47 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
75
Vendor stack
100
Participation health
65
Knocking points off
- Only 40% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RICHCROFT, INC..
Plan sponsor
Name
RICHCROFT, INC.
EIN
52-1302331
Address
53 LOVETON CIRCLE SUITE 205 · SPARKS, MD · 21152
Phone
(410) 785-3274
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2J · 401(k) feature
2K · 401(m) arrangement
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
ANDERSON, DAVIS AND ASSOCIATED, CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MUTUAL OF AMERICA INVESTMENT CORP | — | NEW YORK, NY | RECORD KEEPER | $0 | — |
Investments
47 direct securities · 1 pooled fund· $11.2M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$6.0M
47 holdings
Pooled Separate Account
$5.2M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT NUMBER SA1 MUTUAL OF AMERICA · EIN 13-1614399 / PN 000 | Pooled Separate Account | — | — | $5.2M | 87.9% | |
| MOA Equity Index Mutual Fund | — | — | — | $581K | 9.7% | |
| Victory RS Small Cap Growth Equity VIP Series Mutual Fund 522 * Mutual of America Interest Accumulation General Account | — | — | — | $577K | 9.7% | |
| DWS Capital Growth Mutual Fund | — | — | — | $486K | 8.1% | |
| MOA Clear Passage 2045 Fund Mutual Fund | — | — | — | $419K | 7.0% | |
| MOA Clear Passage 2035 Fund Mutual Fund | — | — | — | $403K | 6.7% | |
| MOA Clear Passage 2040 Fund Mutual Fund | — | — | — | $330K | 5.5% | |
| MOA Clear Passage 2030 Fund Mutual Fund | — | — | — | $326K | 5.5% | |
| MOA Moderate Allocation Mutual Fund | — | — | — | $325K | 5.4% | |
| MOA Clear Passage 2025 Fund Mutual Fund | — | — | — | $280K | 4.7% | |
| MOA Balanced Fund Mutual Fund | — | — | — | $229K | 3.8% | |
| MOA Clear Passage 2050 Fund Mutual Fund | — | — | — | $218K | 3.6% | |
| T. Rowe Price Blue Chip Growth Mutual Fund | — | — | — | $203K | 3.4% | |
| Participant Notes Receivable Interest rate ranges from 4.25-9.5% -0- | — | — | — | $148K | 2.5% | |
| Fidelity VIP Contrafund Mutual Fund | — | — | — | $141K | 2.4% | |
| MOA All America Mutual Fund | — | — | — | $134K | 2.2% | |
| MOA Core Bond Fund Bond | — | — | — | $106K | 1.8% | |
| MOA Small Cap Growth Mutual Fund | — | — | — | $90K | 1.5% | |
| Fidelity VIP Equity Income Mutual Fund | — | — | — | $88K | 1.5% | |
| MOA Small Cap Value Mutual Fund | — | — | — | $86K | 1.4% | |
| American Funds Insurance SNWF Mutual Fund 346 Calvert VP SRI Balanced Portfolio Mutual Fund | — | — | — | $84K | 1.4% | |
| Vanguard VIF Diversified Value Mutual Fund | — | — | — | $63K | 1.1% | |
| MOA Mid Cap Equity Index Fund Mutual Fund | — | — | — | $62K | 1.0% | |
| Vanguard VIF International Mutual Fund | — | — | — | $60K | 1.0% | |
| MOA Clear Passage 2055 Fund Mutual Fund | — | — | — | $59K | 1.0% | |
| MOA Intermediate Bond Fund Bond | — | — | — | $50K | 0.8% | |
| MOA Clear Passage 2015 Fund Mutual Fund | — | — | — | $42K | 0.7% | |
| MOA Mid Cap Value Fund Mutual Fund | — | — | — | $42K | 0.7% | |
| Invesco V.I. Main Street Mutual Fund | — | — | — | $39K | 0.7% | |
| American Century VP Cap Apprec Mutual Fund | — | — | — | $32K | 0.5% | |
| MFS VIT III Mid Cap Value Portfolio Mutual Fund 366 * MOA Aggressive Allocation Mutual Fund | — | — | — | $31K | 0.5% | |
| MOA Clear Passage 2065 Fund Mutual Fund | — | — | — | $29K | 0.5% | |
| MOA Clear Passage 2020 Fund Mutual Fund | — | — | — | $29K | 0.5% | |
| MOA Conservative Allocation Mutual Fund | — | — | — | $26K | 0.4% | |
| Vanguard VIF Total Bond Mkt Idx Portf. Mutual Fund | — | — | — | $26K | 0.4% | |
| PIMCO VIT Real Return Institutional Portfolio Mutual Fund | — | — | — | $20K | 0.3% | |
| MOA Small Cap Equity Index Mutual Fund | — | — | — | $20K | 0.3% | |
| MOA International Mutual Fund | — | — | — | $16K | 0.3% | |
| Fidelity VIP Mid-Cap Mutual Fund | — | — | — | $16K | 0.3% | |
| MOA Money Market Money Market | — | — | — | $13K | 0.2% | |
| MOA Retirement Income Mutual Fund | — | — | — | $10K | 0.2% | |
| MOA Clear Passage 2060 Fund Mutual Fund | — | — | — | $8K | 0.1% | |
| Vanguard VIF Real Estate Index Portfolio Mutual Fund | — | — | — | $7K | 0.1% | |
| Goldman Sachs VIT Small Cap Equity Insights Fund Mutual Fund | — | — | — | $7K | 0.1% | |
| Delaware VIP Small Cap Value Series Mutual Fund | — | — | — | $6K | <0.1% | |
| Neuberger Berman AMT Sustainable Equity Portfolio Mutual Fund | — | — | — | $4K | <0.1% | |
| Fidelity VIP Asset Manager Mutual Fund | — | — | — | $2K | <0.1% | |
| Goldman Sachs VIT US Equity Insights Fund Mutual Fund | — | — | — | $1K | <0.1% |
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