Original filing (PDF)20250729163554NAL0005153344001

MONTREAT COLLEGE

Name: MONTREAT COLLEGE — MONTREAT COLLEGE RETIREMENT PLAN, Form 5500 (2024)
Creator: MONTREAT COLLEGE

Form 5500

FILING_RECEIVED

MONTREAT COLLEGE RETIREMENT PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

164

Accounts w/ balance

285

Plan assets (EOY)

$9.7M

Net assets (EOY)

$9.7M

How this plan invests

This plan

1 pooled trust

Schedule D

76 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Participation health

100

Knocking points off

No recordkeeper disclosed on Schedule C.

Helping the score

Below-peer total fees (17 bps vs 52 bps peer median).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MONTREAT COLLEGE.

Plan sponsor

Name

MONTREAT COLLEGE

EIN

56-0543261

Address

PO BOX 1267 · MONTREAT, NC · 287570121

Phone

(828) 669-8012

Industry

Educational Servicessee all

Plan administrator

Name

PENTEGRA SERVICES, INC.

EIN

13-3745616

City

WHITE PLAINS, NY

Phone

(844) 367-2848

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-07-29

Pension benefit codes

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2L · 403(b)(1) annuity

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

SIKICH CPA LLC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
TWO WEST CAPITAL ADVISORS	27-3055170	LAWRENCEVILLE, KS	NONE	$15K	—
TIAA-TEACHERS INSURANCE AND ANNUITY	13-1624203	NEW YORK, NY	NONE	$2K	—

Investments

74 direct securities · 1 pooled fund· $9.6M(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.

Uncategorized

$9.5M

74 holdings

Pooled Separate Account

$131K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
TIAA	—	—	—	$1.8M	18.6%
CREF Stock R1	—	—	—	$1.2M	12.3%
CREF Growth R1	—	—	—	$850K	8.8%
Franklin Growth Series - Class A	—	—	—	$536K	5.5%
CREF Global Equities R1	—	—	—	$532K	5.5%
TIAA	—	—	—	$478K	5.0%
State Street Equity 500 Index K	—	—	—	$438K	4.5%
CREF Social Choice R1	—	—	—	$398K	4.1%
Nuveen International Equity Index R6	—	—	—	$392K	4.1%
CREF Equity Index R1	—	—	—	$323K	3.3%
TIAA Access Nuv Lifecycle 2050 T4	—	—	—	$296K	3.1%
Multimanager Aggressive Equity	—	—	—	$240K	2.5%
TIAA Access Nuv Lifecycle 2040 T4	—	—	—	$179K	1.9%
TIAA Access Nuv Lifecycle 2035 T4	—	—	—	$170K	1.8%
TIAA Access Nuv Lifecycle 2045 T4	—	—	—	$138K	1.4%
TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004	Pooled Separate Account	—	—	$131K	1.4%
Equitable Life Insurance Company	—	—	—	$114K	1.2%
State Street Small Mid Cap Equity Index K	—	—	—	$104K	1.1%
TIAA Access Nuv Lifecycle 2030 T4	—	—	—	$98K	1.0%
TIAA Access Nuv RIEstSecSel T4	—	—	—	$71K	0.7%
CREF Core Bond R1	—	—	—	$64K	0.7%
CREF Money Market R1	—	—	—	$61K	0.6%
Vanguard Ttl Intl Bnd Idx Adm	—	—	—	$58K	0.6%
TIAA Access Nuv Lifecycle 2015 T4	—	—	—	$56K	0.6%
TIAA Access Nuv LgCp Res Eq T4	—	—	—	$55K	0.6%
TIAA Access Nuv Qt Sm Cp Eq T4	—	—	—	$54K	0.6%
EQ Common Stock Index	—	—	—	$48K	0.5%
TIAA Access Nuv Lifecycle 2020 T4	—	—	—	$45K	0.5%
TIAA Access Nuv Intl Equity T4	—	—	—	$44K	0.5%
TIAA Access Nuv Sm Cp Bl Idx T4	—	—	—	$43K	0.4%
TIAA Access Nuv Lifecycle 2055 T4	—	—	—	$42K	0.4%
Franklin Dynatech Fund - Class A	—	—	—	$38K	0.4%
AXA Large Cap Growth Managed Volume	—	—	—	$38K	0.4%
Schwab S&P 500 Index Fund	—	—	—	$35K	0.4%
DFA LTIP Port Institutional	—	—	—	$34K	0.4%
AXA Moderate Allocation	—	—	—	$34K	0.4%
AXA AllianceBernstein Small Cap Growth	—	—	—	$32K	0.3%
TIAA Access Nuv Lifecycle 2025 T4	—	—	—	$31K	0.3%
TIAA Access Nuv Lg-Cap Gr T4	—	—	—	$31K	0.3%
Vanguard Growth Index Admiral	—	—	—	$30K	0.3%
TIAA-CREF Self Directed Account	—	—	—	$28K	0.3%
State Street Aggregate Bond Index K	—	—	—	$28K	0.3%
TIAA Access Nuv Lifecycle 2060 T4	—	—	—	$25K	0.3%
Participant loans	—	—	—	$25K	0.3%
CREF Inflation-Linked Bond R1	—	—	—	$23K	0.2%
Franklin US Government Money Fund - Class A	—	—	—	$22K	0.2%
TIAA Access Nuv Mid Cap Val T4	—	—	—	$20K	0.2%
EQ International Equity Index	—	—	—	$17K	0.2%
TIAA Access Nuv Lg-Cap Val T4	—	—	—	$14K	0.1%
Vanguard Small-Cap Growth Index Admiral	—	—	—	$14K	0.1%
Vanguard Extended Market Index Admiral	—	—	—	$14K	0.1%
Franklin Growth Opportunities - Class A	—	—	—	$6K	<0.1%
Franklin Mutual Beacon Fund - Class A	—	—	—	$6K	<0.1%
TIAA Access Nuv Core Bond Plus T4	—	—	—	$5K	<0.1%
Franklin Global Allocation Fund - Class A	—	—	—	$3K	<0.1%
Franklin Small-Mid Cap Growth Fund - Class A	—	—	—	$3K	<0.1%
TIAA Access Nuv Mid Cap Grw T4	—	—	—	$2K	<0.1%
TIAA Access Nuv Lifecycle 2010 T4	—	—	—	$1K	<0.1%
Franklin Income Fund - Class A	—	—	—	$1K	<0.1%
EQ Large Cap Growth Index	—	—	—	$1K	<0.1%
Templeton Growth Fund - Class A	—	—	—	$1K	<0.1%
Charter Multi-Sector Bond	—	—	—	$419	<0.1%
TIAA Access Nuv Lifecycle 2065 T4	—	—	—	$355	<0.1%
Franklin Mutual Shares Fund - Class A	—	—	—	$350	<0.1%
EQ Capital Guardian Research Growth Portfolio	—	—	—	$253	<0.1%
AXA Global Equity Managed Volume	—	—	—	$225	<0.1%
EQ GAMCO Small Company Value	—	—	—	$181	<0.1%
EQ Invesco Common Stock	—	—	—	$173	<0.1%
Multi-manager Technology	—	—	—	$165	<0.1%
EQ BlackRock Basic Value Equity	—	—	—	$142	<0.1%
EQ Morgan Stanley Small Cap Growth	—	—	—	$127	<0.1%
EQ Mid Cap Index	—	—	—	$71	<0.1%
Vanguard Federal Money Market Inv	—	—	—	$36	<0.1%
Franklin Equity Income Fund - Class A	—	—	—	$13	<0.1%
TIAA	—	—	—	$7	<0.1%