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Original filing (PDF)20251013122451NAL0000599955012
CHARLES E. SMITH LIFE COMMUNITIES
Form 5500
FILING_RECEIVED
CHARLES E. SMITH LIFE COMMUNITIES RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 2
27% in single holdingNo recordkeeper disclosed
Active participants
813
Accounts w/ balance
1,044
Plan assets (EOY)
$19.1M
Net assets (EOY)
$19.1M
How this plan invests
This plan
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
87
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "BND IS BND IS * The Variable Annuity Life Insurance VALIC FIXED-INTEREST (Various interest rates)" is 27% of plan.
- 48 bps in Schedule C fees — 66% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CHARLES E. SMITH LIFE COMMUNITIES.
Plan sponsor
Name
CHARLES E. SMITH LIFE COMMUNITIES
EIN
53-0196508
Address
6121 MONTROSE RD. · ROCKVILLE, MD · 20852
Phone
(301) 770-8430
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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SCHIAVI, WALLACE AND ROWE, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VALIC RETIREMENT SERVICES COMPANY | 51-0396365 | — | NONE | $92K | — |
Investments
36 direct securities· $17.9M(94% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BND IS BND IS * The Variable Annuity Life Insurance VALIC FIXED-INTEREST (Various interest rates) | — | — | — | $4.8M | 25.2% | |
| GROWTH R6 GROWTH R6 AMERICAN FUNDS AMR MUTUAL FUND- AMERICAN FUNDS AMR | — | — | — | $1.2M | 6.5% | |
| BALANCED R6 BALANCED R6 AMERICAN GRWTH FUND OF MUTUAL FUND- AMERICAN GRWTH FUND OF | — | — | — | $1.2M | 6.2% | |
| II INSTL 3 II INSTL 3 FIDELITY INTL IND INSTL PREM MUTUAL FUND- FIDELITY INTL IND INSTL PREM | — | — | — | $1.1M | 6.0% | |
| VANGUARD 500 IDX ADM MUTUAL FUND- VANGUARD 500 IDX ADM | — | — | — | $709K | 3.7% | |
| T ROWE PRICE RTMT 2040 I MUTUAL FUND- T ROWE PRICE RTMT 2040 I | — | — | — | $659K | 3.4% | |
| JP MORGAN DISCIPL EQUITY R6 MUTUAL FUND- JP MORGAN DISCIPL EQUITY R6 | — | — | — | $622K | 3.3% | |
| T ROWE PRICE RTMT 2030 I MUTUAL FUND- T ROWE PRICE RTMT 2030 I | — | — | — | $608K | 3.2% | |
| VALUE R6 VALUE R6 WESTERN ASSET CORE PLUS MUTUAL FUND- WESTERN ASSET CORE PLUS | — | — | — | $567K | 3.0% | |
| JP MORGAN EQUITY INCOME R6 MUTUAL FUND- JP MORGAN EQUITY INCOME R6 | — | — | — | $561K | 2.9% | |
| VANGUARD SM CP IDX ADM MUTUAL FUND- VANGUARD SM CP IDX ADM | — | — | — | $518K | 2.7% | |
| Participant Loans -0- | — | — | — | $514K | 2.7% | |
| MONEY MKT FND (Forfeitures) AMER CAP WORLD GROWTH & MUTUAL FUND- AMER CAP WORLD GROWTH & | — | — | — | $455K | 2.4% | |
| VICTORY SYCAMORE ESTAB MUTUAL FUND- VICTORY SYCAMORE ESTAB | — | — | — | $443K | 2.3% | |
| BALANCED I BALANCED I VAN MID CAP INDEX ADM MUTUAL FUND- VAN MID CAP INDEX ADM | — | — | — | $442K | 2.3% | |
| T ROWE PRICE RTMT 2015 I MUTUAL FUND- T ROWE PRICE RTMT 2015 I | — | — | — | $405K | 2.1% | |
| VANGUARD TL BD MK IDX ADM MUTUAL FUND- VANGUARD TL BD MK IDX ADM | — | — | — | $311K | 1.6% | |
| R6 AMERICAN EUROPACIFIC MUTUAL FUND- AMERICAN EUROPACIFIC | — | — | — | $271K | 1.4% | |
| T ROWE PRICE RTMT 2025 I MUTUAL FUND- T ROWE PRICE RTMT 2025 I | — | — | — | $263K | 1.4% | |
| T ROWE PRICE RTMT 2035 I MUTUAL FUND- T ROWE PRICE RTMT 2035 I | — | — | — | $246K | 1.3% | |
| R6 JP MORGAN SMALL CAP MUTUAL FUND- JP MORGAN SMALL CAP | — | — | — | $242K | 1.3% | |
| T ROWE PRICE RTMT- MUTUAL FUND- T ROWE PRICE RTMT- | — | — | — | $213K | 1.1% | |
| T ROWE PRICE RTMT 2045 I MUTUAL FUND- T ROWE PRICE RTMT 2045 I | — | — | — | $209K | 1.1% | |
| T ROWE PRICE RTMT 2020 I MUTUAL FUND- T ROWE PRICE RTMT 2020 I | — | — | — | $202K | 1.1% | |
| R6 AMERICAN CENT REAL ESTATE MUTUAL FUND- AMERICAN CENT REAL ESTATE | — | — | — | $170K | 0.9% | |
| CLASS K CLASS K COLUMBIA SMALL CAP VALUE MUTUAL FUND- COLUMBIA SMALL CAP VALUE | — | — | — | $149K | 0.8% | |
| T ROWE PRICE RTMT 2050 I MUTUAL FUND- T ROWE PRICE RTMT 2050 I | — | — | — | $137K | 0.7% | |
| AIG CAPITAL SERVICES, INC. * AIG CAPITAL SERVICES, INC. MONEY MKT FND | — | — | — | $135K | 0.7% | |
| AMER R6 AMER R6 BLACKROCK HI YLD PORTF MUTUAL FUND- BLACKROCK HI YLD PORT | — | — | — | $107K | 0.6% | |
| T ROWE PRICE RTMT 2055 I MUTUAL FUND- T ROWE PRICE RTMT 2055 I | — | — | — | $89K | 0.5% | |
| INC R6 INC R6 AMERICAN CEN INFL-ADJ BOND MUTUAL FUND- AMERICAN CEN INFL-ADJ BOND | — | — | — | $75K | 0.4% | |
| T ROWE PRICE RTMT 2060 I MUTUAL FUND- T ROWE PRICE RTMT 2060 I | — | — | — | $68K | 0.4% | |
| JP MORGAN MID CAP GROWTH MUTUAL FUND- JP MORGAN MID CAP GROWTH | — | — | — | $63K | 0.3% | |
| VANGUARD FEDERAL M MKT MUTUAL FUND- VANGUARD FEDERAL M MKT | — | — | — | $49K | 0.3% | |
| T ROWE PRICE RTMT 2065 I MUTUAL FUND- T ROWE PRICE RTMT 2065 I | — | — | — | $8K | <0.1% | |
| GROWTH R6 GROWTH R6 SCHWAB PCRA MUTUAL FUND- SCHWAB PCRA | — | — | — | $5K | <0.1% |