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Original filing (PDF)20251015132945NAL0002366179001
NORTHERN PANHANDLE HEAD START, INC.
Form 5500
FILING_RECEIVED
NORTHERN PANHANDLE HEAD START RETIREMENT SAVINGS PROGRAM
403(b) retirement plan
Signals · 2
~88 bps in Sched C feesNo recordkeeper disclosed
Active participants
119
Accounts w/ balance
125
Plan assets (EOY)
$2.8M
Net assets (EOY)
$2.8M
How this plan invests
This plan
16 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
- 88 bps in Schedule C fees — 69% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NORTHERN PANHANDLE HEAD START, INC..
Plan sponsor
Name
NORTHERN PANHANDLE HEAD START, INC.
EIN
55-0590843
Address
1 ORCHARD ROAD SUITE 1 · WHEELING, WV · 26003
Phone
(304) 233-3290
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
2025-10-15
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
S.R. SNODGRASS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $25K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERIPRISE FINANCIAL SERVICES INC | 51-6041053 | — | OTHER SERVICES | $0 | — |
Investments
16 direct securities· $2.7M(95% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal LifeTime 2050 Fund | — | — | — | $516K | 18.2% | |
| Principal LifeTime 2040 Fund | — | — | — | $464K | 16.4% | |
| Principal LifeTime 2035 Fund | — | — | — | $372K | 13.1% | |
| Principal LifeTime 2060 Fund | — | — | — | $368K | 13.0% | |
| Principal LifeTime 2045 Fund | — | — | — | $345K | 12.2% | |
| Principal LifeTime 2055 Fund | — | — | — | $241K | 8.5% | |
| Principal LifeTime 2065 Fund | — | — | — | $151K | 5.3% | |
| Principal LifeTime 2030 Fund | — | — | — | $116K | 4.1% | |
| Principal LifeTime 2015 Fund | — | — | — | $38K | 1.4% | |
| Invesco Select Risk: Conservative Investor Fund A | — | — | — | $35K | 1.2% | |
| Principal LifeTime 2025 Fund | — | — | — | $19K | 0.7% | |
| Principal LifeTime 2020 Fund | — | — | — | $11K | 0.4% | |
| Invesco Select Risk: Active Allocation Fund A | — | — | — | $444 | <0.1% | |
| BROWN ADVISORY SUST GRW I FD | — | — | — | $0 | <0.1% | |
| COLUMBIA DIV INCOME I3 FUND | — | — | — | $0 | <0.1% | |
| PRINCIPAL GUARANTEED OPTION | — | — | — | $0 | <0.1% |
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