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Original filing (PDF)20251008095239NAL0003174131001
FIRST COMMUNITIES MANAGEMENT, INC.
Form 5500
FILING_RECEIVED
FIRST COMMUNITIES MANAGEMENT, INC. 401(K) PLAN
401(k) retirement plan
Signals · 3
100% in single holding~5975 bps in Sched C feesNo recordkeeper disclosed
Active participants
852
Accounts w/ balance
11
Plan assets (EOY)
$77K
Net assets (EOY)
$77K
How this plan invests
This plan
2 pooled trusts
Schedule D
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
79
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "U.S. Property Sep Acct Z Pooled separate account" is 100% of plan.
- 5975 bps in Schedule C fees — 3682% above peer band of 158 bps.
- No recordkeeper disclosed on Schedule C.
- Only 1% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST COMMUNITIES MANAGEMENT, INC..
Plan sponsor
Name
FIRST COMMUNITIES MANAGEMENT, INC.
EIN
58-1851565
Address
1200 LAKE HEARN DR, STE 200 · ATLANTA, GA · 30319
Phone
(404) 252-8900
Industry
Real Estatesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FRAZIER & DEETER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | 22-3570392 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $41K | — |
| PENSION FINANCIAL SERVICES, INC. | 58-1485803 | — | CONTRACT ADMINISTRATOR | $5K | — |
Investments
2 pooled funds· $77K(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.
Pooled Separate Account
$77K
1 holding
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL U.S. PROPERTY SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 027 | Pooled Separate Account | — | — | $77K | 100.0% | |
| STABLE VALUE R1 FUND GREAT GRAY TRUST COMPANY · EIN 75-4031707 / PN 653 | Common Collective Trust | — | — | $0 | <0.1% |
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