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Original filing (PDF)20260217124643NAL0006114513001
EARLY YEARS, INC.
Form 5500
FILING_RECEIVED
EARLY YEARS 401(K) PLAN
401(k) retirement plan
Signals · 2
40% in single holdingNo recordkeeper disclosed
Active participants
131
Accounts w/ balance
139
Plan assets (EOY)
$4.8M
Net assets (EOY)
$4.8M
How this plan invests
This plan
25 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
80
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard Target Retirement 2035 Fund Vanguard 0" is 40% of plan.
- 75 bps in Schedule C fees — modestly 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 EARLY YEARS, INC..
Plan sponsor
Name
EARLY YEARS, INC.
EIN
56-1514058
Address
1829 E FRANKLIN STREET · SUITE 1000 · CHAPEL HILL, NC · 27514
Phone
(919) 969-1922
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-07-01
Tax period
2025-06-30
Filed
2026-02-17
Pension benefit codes
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
GILLIAM BELL MOSER LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BRYANT & BRANNOCK LLCC | — | DURHAM, NC | NONE | $21K | — |
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $15K | — |
Investments
25 direct securities· $4.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $2.0M | 40.2% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $956K | 19.7% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $576K | 11.9% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $344K | 7.1% | |
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $280K | 5.8% | |
| Vanguard 500 Index Adm Vanguard 0 | — | — | — | $171K | 3.5% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $155K | 3.2% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $114K | 2.4% | |
| Nomura Large Cap Growth R6 Nomura 0 | — | — | — | $62K | 1.3% | |
| T. Rowe Price Diversified Md Cp Grth I T. Rowe Price 0 | — | — | — | $47K | 1.0% | |
| Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $39K | 0.8% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $35K | 0.7% | |
| Vanguard Target Retirement Income Fund Vanguard 0 | — | — | — | $25K | 0.5% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $16K | 0.3% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $16K | 0.3% | |
| Dodge & Cox Global Bond Fund I Dodge & Cox 0 467 Vanguard Real Estate Index Inv Vanguard 0 | — | — | — | $10K | 0.2% | |
| American Century Small Cap Value R6 American Century 0 | — | — | — | $9K | 0.2% | |
| Vanguard S&P Small-Cap 600 Index ETF Vanguard 0 | — | — | — | $6K | 0.1% | |
| Columbia Dividend Income I3 Columbia 0 | — | — | — | $6K | 0.1% | |
| American Funds New World R6 American Funds 0 | — | — | — | $6K | 0.1% | |
| T. Rowe Price Spectrum Mod Alloc I T. Rowe Price 0 | — | — | — | $6K | 0.1% | |
| State Street Hedged Intl Dev Eq Index K State Street Hedged 0 | — | — | — | $6K | 0.1% | |
| Vanguard Mid-Cap Index Inv Vanguard 0 | — | — | — | $4K | <0.1% | |
| T. Rowe Price Spect Mod Grw Alloc I T. Rowe Price 0 | — | — | — | $4K | <0.1% | |
| Vanguard Federal Money Market Inv Vanguard 0 | — | — | — | $3K | <0.1% |
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