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Original filing (PDF)20251013192931NAL0002639312001
FIRSTGROUP AMERICA, INC.
Form 5500
FILING_RECEIVED
FIRST STUDENT, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
6 service providers
Active participants
49,717
Accounts w/ balance
11,465
Plan assets (EOY)
$328.2M
Net assets (EOY)
$328.2M
How this plan invests
This plan
23 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
65
Knocking points off
- Only 23% 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 FIRSTGROUP AMERICA, INC..
Plan sponsor
Name
FIRSTGROUP AMERICA, INC.
EIN
52-2205403
Address
191 ROSA PARKS ST FL 8 · CINCINNATI, OH · 452022573
Phone
(803) 543-1965
Industry
Transportation & Warehousingsee 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
2025-10-13
Pension benefit codes
2T · Default investment account (QDIA)
2G · Total participant-directed accounts
2R · Participant-directed brokerage (SDBA)
2J · 401(k) feature
2K · 401(m) arrangement
2E · Profit-sharing
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $124K | — |
| PRINCIPAL FINANCIAL GROUP | 42-1520346 | — | RECORDKEEPER | $18K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAP FINANCIAL PARTNERS, LLC | 26-0058143 | — | INVESTMENT ADVISOR | $61K | — |
| EMPLOYEE BENEFIT SOLUTIONS | — | CINCINNATI, OH | CONSULTANT | $38K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PLANTE MORAN | 38-1357951 | — | ACCOUNTANT/AUDITOR | $29K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORRIS, MANNING AND MARTIN | 58-1269995 | — | ATTORNEY/LEGAL | $68K | — |
Investments
22 direct securities · 23 pooled funds· $606.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$305.5M
23 holdings
Uncategorized
$301.2M
22 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price T. Rowe Price Retirement Hybrid 2030 Trust | — | — | — | $51.9M | 15.8% | |
| TRP RET HYB 2030 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 011 | Common Collective Trust | — | — | $51.9M | 15.8% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2025 Trust | — | — | — | $43.1M | 13.1% | |
| TRP RET HYB 2025 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 010 | Common Collective Trust | — | — | $43.1M | 13.1% | |
| TRP RET HYB 2035 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 012 | Common Collective Trust | — | — | $42.6M | 13.0% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2035 Trust | — | — | — | $42.6M | 13.0% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2020 Trust | — | — | — | $25.5M | 7.8% | |
| TRP RET HYB 2020 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 009 | Common Collective Trust | — | — | $25.5M | 7.8% | |
| NT S&P 500 IDX NL 4 NORTHERN TRUST COMPANY · EIN 45-6138589 / PN 002 | Common Collective Trust | — | — | $24.4M | 7.4% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2040 Trust | — | — | — | $23.3M | 7.1% | |
| TRP RET HYB 2040 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 013 | Common Collective Trust | — | — | $23.3M | 7.1% | |
| Invesco Stable Value Trust – Class B1 | — | — | — | $20.8M | 6.3% | |
| INVESCO STBL VAL B1 INVESCO TRUST COMPANY · EIN 84-1142974 / PN 001 | Common Collective Trust | — | — | $20.8M | 6.3% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2045 Trust | — | — | — | $16.0M | 4.9% | |
| TRP RET HYB 2045 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 014 | Common Collective Trust | — | — | $16.0M | 4.9% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2050 Trust | — | — | — | $12.5M | 3.8% | |
| TRP RET HYB 2050 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 015 | Common Collective Trust | — | — | $12.5M | 3.8% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2015 Trust | — | — | — | $10.6M | 3.2% | |
| TRP RET HYB 2015 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 008 | Common Collective Trust | — | — | $10.6M | 3.2% | |
| Northern Trust Northern Trust Collective Extended Equity Market I | — | — | — | $9.0M | 2.8% | |
| NT EXT MKT IDX NL 4 NORTHERN TRUST COMPANY · EIN 45-6138589 / PN 110 | Common Collective Trust | — | — | $9.0M | 2.8% | |
| Participants Participant notes receivable with interest rates that range from 4.25 to 10.75 percent - | — | — | — | $8.3M | 2.5% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2005 Trust | — | — | — | $7.8M | 2.4% | |
| TRP RET HYB 2005 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 003 | Common Collective Trust | — | — | $7.8M | 2.4% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2055 Trust | — | — | — | $7.0M | 2.1% | |
| TRP RET HYB 2055 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 016 | Common Collective Trust | — | — | $7.0M | 2.1% | |
| JPMorgan Large Cap Growth Fund – Class R6 | — | — | — | $5.7M | 1.7% | |
| BlackRock Total Return Fund – Class K | — | — | — | $5.3M | 1.6% | |
| Northern Trust Northern Trust Collective All Country World Index | — | — | — | $4.8M | 1.5% | |
| NT ACWI EX US IMI 4 NORTHERN TRUST COMPANY · EIN 45-6138589 / PN 223 | Common Collective Trust | — | — | $4.8M | 1.5% | |
| Various Self-directed brokerage account investments | — | — | — | $2.9M | 0.9% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2060 Trust | — | — | — | $2.7M | 0.8% | |
| TRP RET HYB 2060 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 018 | Common Collective Trust | — | — | $2.7M | 0.8% | |
| MFS LRG CAP VALUE CT GREAT GRAY TRUST COMPANY · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $1.2M | 0.4% | |
| GG EUROPAC GROWTH CT GREAT GRAY TRUST COMPANY, LLC · EIN 38-7289843 / PN 001 | Common Collective Trust | — | — | $825K | 0.3% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2065 Trust | — | — | — | $659K | 0.2% | |
| TRP RET HYB 2065 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 019 | Common Collective Trust | — | — | $659K | 0.2% | |
| T. Rowe Price T. Rowe Price Retirement Hybrid 2010 Trust | — | — | — | $427K | 0.1% | |
| TRP RET HYB 2010 T14 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 007 | Common Collective Trust | — | — | $427K | 0.1% | |
| Northern Trust Northern Trust Collective Aggregate Bond Index Fun | — | — | — | $287K | <0.1% | |
| NT AGGR BD IDX NL 4 NORTHERN TRUST COMPANY · EIN 45-6138589 / PN 088 | Common Collective Trust | — | — | $287K | <0.1% | |
| Fidelity Money market fund - Fidelity Government Money Market Fund - Class K6 | — | — | — | $19K | <0.1% | |
| INVESCO STABLE VALUE TR CLS B1 INVESCO NATIONAL TRUST CO · EIN 84-1142974 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T. ROWE PR RET HYB 2005 TR T10 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 006 | Common Collective Trust | — | — | $0 | <0.1% | |
| PRINCIPAL STABLE VALUE SGNTURE PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274328 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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