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Original filing (PDF)20251013122451NAL0000599955006
CHARLES E. SMITH LIFE COMMUNITIES
Form 5500
FILING_RECEIVED
CHARLES E. SMITH LIFE COMMUNITIES 403(B) PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
809
Accounts w/ balance
700
Plan assets (EOY)
$15.4M
Net assets (EOY)
$15.4M
How this plan invests
This plan
35 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
65
Vendor stack
80
Participation health
100
Knocking points off
- 66 bps in Schedule C fees — 129% 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
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
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 | $102K | — |
Investments
35 direct securities· $15.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| The Variable Annuity Life Insurance Co. VALIC FIXED-INTEREST VALIC FIXED-INTEREST (various interest rates) | — | — | — | $2.7M | 17.7% | |
| FIDELITY INTL IND INSTL PREM MUTUAL FUND- FIDELITY INTL IND INSTL PREM | — | — | — | $1.6M | 10.6% | |
| VANGUARD 500 IDX ADM MUTUAL FUND- VANGUARD 500 IDX ADM | — | — | — | $1.1M | 7.3% | |
| JP MORGAN DISCIPL EQUITY R6 MUTUAL FUND- JP MORGAN DISCIPL EQUITY R6 | — | — | — | $917K | 6.0% | |
| VANGUARD SM CP IDX ADM MUTUAL FUND- VANGUARD SM CP IDX ADM | — | — | — | $890K | 5.8% | |
| AMERICAN FUNDS AMER BALAN R6 MUTUAL FUND- AMERICAN FUNDS AMER BALANCED R6 | — | — | — | $872K | 5.7% | |
| VANGUARD TL BD MK IDX ADM MUTUAL FUND- VANGUARD TL BD MK IDX ADM | — | — | — | $751K | 4.9% | |
| VAN MID CAP INDEX ADM MUTUAL FUND- VAN MID CAP INDEX ADM | — | — | — | $672K | 4.4% | |
| AMER GRWTH FUND OF AMER R6 MUTUAL FUND- AMER GRWTH FUND OF AMER R6 | — | — | — | $628K | 4.1% | |
| AMER CAP WORLD GROWTH & INC R6 MUTUAL FUND- AMER CAP WORLD GROWTH & INC R6 | — | — | — | $627K | 4.1% | |
| WESTERN ASSET CORE PLUS BND IS MUTUAL FUND- WESTERN ASSET CORE PLUS BND IS | — | — | — | $521K | 3.4% | |
| JP MORGAN EQUITY INCOME R6 MUTUAL FUND- JP MORGAN EQUITY INCOME R6 | — | — | — | $376K | 2.4% | |
| T.ROWE PRICE RTMT 2040 I MUTUAL FUND- T.ROWE PRICE RTMT 2040 I | — | — | — | $326K | 2.1% | |
| VICTORY SYCAMORE EST VAL R6 MUTUAL FUND- VICTORY SYCAMORE EST VAL R6 | — | — | — | $323K | 2.1% | |
| T.ROWE PRICE RTMT 2030 I MUTUAL FUND- T.ROWE PRICE RTMT 2030 I | — | — | — | $321K | 2.1% | |
| AMERICAN FUNDS EUROPAC R6 MUTUAL FUND- AMERICAN FUNDS EUROPAC R6 | — | — | — | $304K | 2.0% | |
| Participant Loans Interest Rates – 4.25% - 9.5% -0- | — | — | — | $286K | 1.9% | |
| BLACKROCK HI YLD PORTF CLASS K MUTUAL FUND- BLACKROCK HI YLD PORTF CLASS K | — | — | — | $286K | 1.9% | |
| JP MORGAN MID CAP GROWTH R6 MUTUAL FUND- JP MORGAN MID CAP GROWTH R6 | — | — | — | $272K | 1.8% | |
| AMERICAN CENT REAL ESTATE R6 MUTUAL FUND- AMERICAN CENT REAL ESTATE R6 | — | — | — | $251K | 1.6% | |
| VANGUARD FEDERAL M MKT MUTUAL FUND- VANGUARD FEDERAL M MKT | — | — | — | $219K | 1.4% | |
| COLUMBIA SMALL CAP VAL II INST 3 MUTUAL FUND- COLUMBIA SMALL CAP VALUE II INST 3 | — | — | — | $182K | 1.2% | |
| JP MORGAN SMALL CAP GROWTH R6 MUTUAL FUND- JP MORGAN SMALL CAP GROWTH R6 | — | — | — | $162K | 1.1% | |
| AMERICAN CEN INFL-ADJ BOND R6 MUTUAL FUND- AMERICAN CEN INFL-ADJ BOND R6 | — | — | — | $149K | 1.0% | |
| T.ROWE PRICE RTMT 2025 I MUTUAL FUND- T.ROWE PRICE RTMT 2025 I | — | — | — | $108K | 0.7% | |
| T.ROWE PRICE RTMT 2015 I MUTUAL FUND- T.ROWE PRICE RTMT 2015 I | — | — | — | $61K | 0.4% | |
| T.ROWE PRICE RTMT 2035 I MUTUAL FUND- T.ROWE PRICE RTMT 2035 I | — | — | — | $61K | 0.4% | |
| T.ROWE PRICE RTMT 2050 I MUTUAL FUND- T.ROWE PRICE RTMT 2050 I | — | — | — | $57K | 0.4% | |
| T.ROWE PRICE RTMT 2045 I MUTUAL FUND- T.ROWE PRICE RTMT 2045 I | — | — | — | $53K | 0.3% | |
| T.ROWE PRICE RTMT BALANCED I MUTUAL FUND- T.ROWE PRICE RTMT BALANCED I | — | — | — | $51K | 0.3% | |
| T.ROWE PRICE RTMT 2020 I MUTUAL FUND- T.ROWE PRICE RTMT 2020 I | — | — | — | $39K | 0.3% | |
| T ROWE PRICE RTMT 2060 I MUTUAL FUND- T ROWE PRICE RTMT 2060 I | — | — | — | $29K | 0.2% | |
| T ROWE PRICE RTMT 2065 I MUTUAL FUND- T ROWE PRICE RTMT 2065 I | — | — | — | $22K | 0.1% | |
| T ROWE PRICE RTMT 2055 I MUTUAL FUND- T ROWE PRICE RTMT 2055 I | — | — | — | $13K | <0.1% | |
| SCHWAB PCRA MUTUAL FUND- SCHWAB PCRA | — | — | — | $11K | <0.1% |
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