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Original filing (PDF)20251015135156NAL0009571122001
CAROLINA CARING, INC.
Form 5500
FILING_RECEIVED
CAROLINA CARING RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
567
Accounts w/ balance
583
Plan assets (EOY)
$15.3M
Net assets (EOY)
$15.3M
How this plan invests
This plan
26 pooled trusts
Schedule D
51 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 42 bps in Schedule C fees — modestly 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 CAROLINA CARING, INC..
Plan sponsor
Name
CAROLINA CARING, INC.
EIN
56-1242526
Address
3975 ROBINSON RD · NEWTON, NC · 286589715
Phone
(828) 466-0466
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $65K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL LLC | 95-2834236 | — | OTHER SERVICES | $0 | — |
Investments
34 direct securities · 26 pooled funds· $12.8M(84% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$11.7M
32 holdings
Guaranteed Income / GIC
$727K
1 holding
Mutual Funds
$328K
1 holding
Pooled Separate Account
$74K
26 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Capital Research and Management Co Am Fds 2040 Trgt Dte Rtm R3 Fd | — | — | — | $2.0M | 13.3% | |
| Capital Research and Management Co Am Fds 2035 Trgt Dte Rtm R3 Fd | — | — | — | $1.8M | 11.9% | |
| Capital Research and Management Co Am Fds 2030 Trgt Dte Rtm R3 Fd | — | — | — | $1.4M | 9.3% | |
| Capital Research and Management Co Am Fds 2025 Trgt Dte Rtm R3 Fd | — | — | — | $982K | 6.4% | |
| Capital Research and Management Co Am Fds 2055 Trgt Dte Rtm R3 Fd | — | — | — | $797K | 5.2% | |
| * Principal Life Insurance Company Prin Fixed Inc Guar Option | Guaranteed Income / GIC | — | — | $727K | 4.8% | |
| Principal Global Investors Prin LgCap S&P 500 Idx R3 Fund | — | — | — | $500K | 3.3% | |
| Capital Research and Management Co Am Fds Grth of Am R3 Fund | — | — | — | $487K | 3.2% | |
| Capital Research and Management Co Am Fds 2070 Trgt Dte Rtm R3 Fd 160 Capital Research and Management Co Am Fds Am Bal R3 Fund | — | — | — | $364K | 2.4% | |
| maturing through December 2028 | — | — | — | $337K | 2.2% | |
| Allspring Global Investments Allspring 100% Trsy MMKT A | Mutual Funds | — | — | $328K | 2.2% | |
| Principal Global Investors Prin MidCap S&P 400 Idx R3 Fd | — | — | — | $263K | 1.7% | |
| Capital Research and Management Co Am Fds EuroPacific Grth R3 Fd | — | — | — | $262K | 1.7% | |
| Capital Research and Management Co Am Fds 2020 Trgt Dte Rtm R3 Fd | — | — | — | $239K | 1.6% | |
| Invesco Inv Gl Str Inc R Fd | — | — | — | $228K | 1.5% | |
| Capital Research and Management Co Am Fds 2060 Trgt Dte Rtm R3 Fd | — | — | — | $217K | 1.4% | |
| Principal Global Investors Prin SmCap S&P 600 Idx R3 Fund | — | — | — | $185K | 1.2% | |
| Principal Global Investors Prin Equity Income R3 Fund | — | — | — | $157K | 1.0% | |
| Capital Research and Management Co Am Fds 2015 Trgt Dte Rtm R3 Fd | — | — | — | $153K | 1.0% | |
| Franklin Mutual Advisers, LLC Franklin Mutual Glb Disc R Fd | — | — | — | $151K | 1.0% | |
| PGIM Investments, LLC PGIM Jennison Md Cap Gth R Fd | — | — | — | $148K | 1.0% | |
| Columbia Management Advisors Columbia Strategic Income R Fd | — | — | — | $148K | 1.0% | |
| Fidelity Management & Research Fidelity Adv Sm Cap Val M Fund | — | — | — | $146K | 1.0% | |
| Lord Abbett & Co, LLC Lord Abbett Total Return R2 Fd | — | — | — | $141K | 0.9% | |
| American Century Investment Management American Cent Mid-Cap Val R Fd | — | — | — | $99K | 0.6% | |
| Capital Research and Management Co Am Fds 2010 Trgt Dte Rtm R3 Fd | — | — | — | $92K | 0.6% | |
| (E) | — | — | $99K | $92K | 0.6% | |
| Capital Research and Management Co Am Fds 2065 Trgt Dte Rtm R3 Fd | — | — | — | $77K | 0.5% | |
| PGIM Investments, LLC PGIM Jennison Nat Res R Fd | — | — | — | $74K | 0.5% | |
| PGIM Investments, LLC PGIM Jennison Small Co R Fd | — | — | — | $56K | 0.4% | |
| Variable Annuity Life Insurance Co Fixed Account Plus | — | — | — | $37K | 0.2% | |
| VANGUARD LIFESTRATEGY GROWTH VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $11K | <0.1% | |
| VANGUARD WELLINGTON FUND INC VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $11K | <0.1% | |
| Franklin Mutual Advisers, LLC Franklin Utilities R Fund | — | — | — | $10K | <0.1% | |
| Principal Real Estate Investors Prin Real Estate Secs R3 Fund | — | — | — | $7K | <0.1% | |
| STOCK INDEX FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $6K | <0.1% | |
| INTERNATIONAL EQUITIES INDEX FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $6K | <0.1% | |
| VANGUARD WINDSOR II VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $5K | <0.1% | |
| CORE BOND FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $5K | <0.1% | |
| MID CAP INDEX FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $4K | <0.1% | |
| GS VIT GOV MONEY MKT FD INST VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $3K | <0.1% | |
| Variable Annuity Life Insurance Co Global Real Estate Fund 704 * Variable Annuity Life Insurance Co GS VIT GOV MONEY MKT FS INST | — | — | — | $3K | <0.1% | |
| EMERGING ECONOMIES VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $3K | <0.1% | |
| INFLATION PROTECTED FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $3K | <0.1% | |
| MID CAP VALUE FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $3K | <0.1% | |
| HIGH YIELD BOND FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $2K | <0.1% | |
| US SOCIALLY RESPONSIBLE FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $2K | <0.1% | |
| SMALL CAP VALUE FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $2K | <0.1% | |
| INTL SOCIALLY RESPONSIBLE FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $2K | <0.1% | |
| INTERNATIONAL VALUE FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $1K | <0.1% | |
| INTL OPPORTUNITIES VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $1K | <0.1% | |
| MID CAP STRATEGIC GROWTH VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $1K | <0.1% | |
| GLOBAL REAL ESTATE FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $704 | <0.1% | |
| SMALL CAP INDEX FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $700 | <0.1% | |
| VC I CAPITAL APPRECIATION VARIABLE ANNUITY LIFE INSURANCE COMPANY · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $642 | <0.1% | |
| DIVIDEND VALUE VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $194 | <0.1% | |
| SYSTEMATIC GROWTH FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $26 | <0.1% | |
| VANGUARD LIFESTRATEGY CONSER VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $0 | <0.1% | |
| GOVERNMENT SECURITIES FUND VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $0 | <0.1% | |
| LARGE CAPITAL GROWTH VARIABLE ANNUITY LIFE INSURANCE CO · EIN 74-1625348 / PN 001 | Pooled Separate Account | — | — | $0 | <0.1% |
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