Original filing (PDF)20251014200056NAL0001789283001

MID-SOUTH INDEPENDENT SCHOOL BUSINESS OFFICERS, INC.

Name: MID-SOUTH INDEPENDENT SCHOOL BUSINESS OFFICERS, INC. — THE INDEPENDENT SCHOOL GROUP RETIREMENT PLAN (MISBO), Form 5500 (2024)
Creator: MID-SOUTH INDEPENDENT SCHOOL BUSINESS OFFICERS, INC.

Form 5500

FILING_RECEIVED

THE INDEPENDENT SCHOOL GROUP RETIREMENT PLAN (MISBO)

403(b) retirement plan

Signals · 1

11 service providers

Active participants

2,981

Accounts w/ balance

4,649

Plan assets (EOY)

$394.8M

Net assets (EOY)

$394.8M

How this plan invests

This plan

1 pooled trust

Schedule D

165 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

Highly fragmented vendor stack (11 disclosed providers, 5 categories).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MID-SOUTH INDEPENDENT SCHOOL BUSINESS OFFICERS, INC..

Plan sponsor

Name

MID-SOUTH INDEPENDENT SCHOOL BUSINESS OFFICERS, INC.

EIN

58-2057721

Address

1000 WHITLOCK AVE · SUITE 320-337 · MARIETTA, GA · 30064

Phone

(404) 921-3815

Industry

Educational Servicessee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

005

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-14

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)

2U · Association Retirement Plan

Audit & trust (Schedule H)

Auditor

CLIFTONLARSONALLEN LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

11 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
TRANSAMERICA RETIREMENT SOLUTIONS	13-3689044	—	RECORD KEEPER	$166K	—
TIAA - TEACHERS INSURANCE AND ANNUI	13-1624203	—	RECORD KEEPER	$25K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
RESOURCES INVESTMENT ADVISORS	43-1451524	—	ADVISOR	$87K	—
RESOURCES INVESTMENT ADVISORS, LLC	23-0731260	—	ADVISOR	$27K	—
ACESS RETIREMENT SERVICES	62-1700633	—	CONSULTANT	$13K	—

Broker

Name	EIN	Location	Relation	Direct comp	Indirect comp
NATIONAL FINANCIAL SERVICES	04-3523567	—	SECURITIES BROKER	$0	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
CLIFTON LARSON ALLEN, LLP	62-1199757	—	AUDITOR	$28K	—
LBMC, PC	62-1199757	—	AUDITOR	$13K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
LINCOLN NATIONAL CORPORATION	35-1140070	—	PROVIDER	$2K	—
PRINCIPLE LIFE INSURANCE COMPANY	42-0127290	—	PROVIDER	$1	—
AMERICAN UNITED LIFE INSURANCE CO	35-0145825	—	PROVIDER	$0	—

Investments

162 direct securities · 1 pooled fund· $394.2M(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

$390.5M

162 holdings

Pooled Separate Account

$3.6M

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
CREF Stock	—	—	—	$42.3M	10.7%
TIAA Traditional Non Benefit Responsive	—	—	—	$40.8M	10.3%
Nuveen Lifecycle Index 2035 Inst	—	—	—	$31.5M	8.0%
Nuveen Lifecycle Index 2040 Inst	—	—	—	$25.2M	6.4%
Fidelity 500 Index	—	—	—	$24.8M	6.3%
Nuveen Lifecycle Index 2030 Inst	—	—	—	$23.9M	6.0%
Nuveen Lifecycle Index 2045 Inst	—	—	—	$21.8M	5.5%
CREF Growth	—	—	—	$18.8M	4.8%
Nuveen Lifecycle Index 2025 Inst	—	—	—	$13.5M	3.4%
Nuveen Lifecycle Index 2050 Inst	—	—	—	$13.4M	3.4%
CREF Global Equities	—	—	—	$11.5M	2.9%
TIAA Traditional Benefit Responsive	—	—	—	$9.2M	2.3%
CREF Equity Index	—	—	—	$8.8M	2.2%
Nuveen Lifecycle Index 2020 Inst	—	—	—	$7.5M	1.9%
AllianceBernstein Ab Lg Cap Gr Z	—	—	—	$6.2M	1.6%
Nuveen Lifecycle Idx 2055 Instl	—	—	—	$5.9M	1.5%
CREF Money Market	—	—	—	$5.4M	1.4%
Clearbridge Intl Gr Is	—	—	—	$4.6M	1.2%
Fidelity Small Cap Index	—	—	—	$4.5M	1.1%
Fidelity Mid Cap Index	—	—	—	$4.4M	1.1%
Allspring Core Bd	—	—	—	$4.4M	1.1%
CREF Core Bond	—	—	—	$4.3M	1.1%
TIAA Traditional Non Benefit Responsive 2	—	—	—	$4.1M	1.0%
CREF Social Choice	—	—	—	$3.9M	1.0%
TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004	Pooled Separate Account	—	—	$3.6M	0.9%
TransAmerica 00 Transamerica Guaranteed Inv Option	—	—	—	$3.3M	0.8%
Nuveen Lifecycle Index 2015 Inst	—	—	—	$3.0M	0.8%
Fidelity Intl Sustainability Idx	—	—	—	$2.7M	0.7%
Nuveen Lifecycle Idx 2060 Instl	—	—	—	$2.4M	0.6%
Invesco V.I. High Yeild 686 JPMorgan Eq Inc	—	—	—	$2.3M	0.6%
Fidelity Inflation-Prot Bd Idx	—	—	—	$2.1M	0.5%
Nuveen Lifecycle Idx Rt Inc Inst	—	—	—	$2.1M	0.5%
Van Eck Van Eck Vip Global Hard Assets 170 * Vanguard Ftse Social Indexiral	—	—	—	$2.0M	0.5%
American Funds American Funds American Balanced	—	—	—	$1.8M	0.4%
Nuveen Lifecycle Index 2010 Inst	—	—	—	$1.7M	0.4%
CREF Inflation-Linked Bond	—	—	—	$1.5M	0.4%
PIMCO Inc Instl	—	—	—	$1.4M	0.3%
TIAA Stable Value	—	—	—	$1.2M	0.3%
MFS Mid Cap Val	—	—	—	$1.2M	0.3%
DFA Real Estate Securities I	—	—	—	$1.1M	0.3%
Vanguard Dividend Growth Inv 711 * Vanguard Emerging Mkts Stock Idx 697 * Vanguard Federal Money Market Inv 381 * Vanguard Pacific Stock Index 151 * Participant Loans Interest from 4.25% to 9.50%	—	—	—	$1.1M	0.3%
TIAA Access Nuv Lifcyc 2040	—	—	—	$1.0M	0.3%
TIAA Access Nuv Lifcyc 2030	—	—	—	$1.0M	0.3%
TIAA Access Nuv Intl Equity	—	—	—	$992K	0.3%
TIAA Access Nuv Lrg Cap Val	—	—	—	$863K	0.2%
Lincoln Fixed Account	—	—	—	$782K	0.2%
TIAA Access Nuv Lifcyc 2020	—	—	—	$781K	0.2%
Vanguard 500 Index	—	—	—	$730K	0.2%
Nuveen Money Market Retirement 615 * OneAmerica Alternate Fixed Account	—	—	—	$675K	0.2%
TIAA Access Nuv Lifcyc 2050	—	—	—	$669K	0.2%
TIAA Access Nuv Lifcyc 2035	—	—	—	$607K	0.2%
TIAA Access Nuv Qt Sm Cp Eq	—	—	—	$575K	0.1%
TIAA Access Nuv Mid Cap Val	—	—	—	$532K	0.1%
TIAA Access Nuv Lifcyc 2045	—	—	—	$468K	0.1%
Principal Fixed Income Guaranteed Option	—	—	—	$446K	0.1%
Nuveen Lifecycle Idx 2065 Instl	—	—	—	$436K	0.1%
Invesco Discv Mid Cap Gr	—	—	—	$399K	0.1%
TIAA Access Nuv Rlestsecsel	—	—	—	$386K	<0.1%
TIAA Access Nuv Equity Idx	—	—	—	$358K	<0.1%
TIAA Access Nuv Lifcyc 2025	—	—	—	$353K	<0.1%
TIAA Access Nuv Lrg Cap Gr	—	—	—	$322K	<0.1%
CREF Social Choice	—	—	—	$317K	<0.1%
TIAA Access Nuv Lifcyc 2010	—	—	—	$297K	<0.1%
TIAA Access Nuv Sm Cp Bl Ix	—	—	—	$277K	<0.1%
AXA Moderate-Plus Allocation	—	—	—	$272K	<0.1%
Lincoln LVIP Macquarie Social Awareness	—	—	—	$251K	<0.1%
AXA Moderate Allocation	—	—	—	$232K	<0.1%
Lincoln LVIP Dimensional U.S. Core Equity 1	—	—	—	$232K	<0.1%
Lincoln LVIP Ssga S&P 500 Index	—	—	—	$227K	<0.1%
TIAA Access Nuv Lifcyc 2055	—	—	—	$224K	<0.1%
CREF Inflationlinked Bond	—	—	—	$222K	<0.1%
Vanguard Windsor Ii	—	—	—	$215K	<0.1%
TIAA Access Nuv Mid Cap Grw	—	—	—	$213K	<0.1%
Lincoln LVIP Blended Lrg Cap Growth Mngd Voltlty	—	—	—	$209K	<0.1%
State Street State Street Instl Us Govt Money Mkt Premier	—	—	—	$191K	<0.1%
Equitable Gia (Including Frozen Reserve	—	—	—	$189K	<0.1%
American Funds American Funds Growth-Income	—	—	—	$187K	<0.1%
TIAA Access Nuv Money Mkt	—	—	—	$178K	<0.1%
Equitable Eq/Equity 500 Index	—	—	—	$174K	<0.1%
AXA Aggressive Allocation	—	—	—	$172K	<0.1%
TIAA Access Nuv Bond Idx	—	—	—	$169K	<0.1%
TIAA Access Nuv Core Equity	—	—	—	$145K	<0.1%
American Funds American Funds Growth	—	—	—	$119K	<0.1%
TIAA Access Nuv Lgcp Res Eq	—	—	—	$107K	<0.1%
AXA Moderate Growth Strategy	—	—	—	$105K	<0.1%
TIAA Access Nuv Lifcyc 2060	—	—	—	$95K	<0.1%
Lincoln LVIP Macquarie Smid Cap Core Series	—	—	—	$95K	<0.1%
Equitable Sio- S&P 500 Index 1Yr - 10% Buffer	—	—	—	$85K	<0.1%
Fidelity Vip Contrafund	—	—	—	$83K	<0.1%
Lincoln LVIP Mondrian International Value	—	—	—	$76K	<0.1%
AXA Conserv-Plus Allocation	—	—	—	$73K	<0.1%
Lincoln LVIP T Rowe Price 2040 Fund	—	—	—	$70K	<0.1%
Lincoln LVIP Blackrock Dividend Value Mngdvltlty	—	—	—	$64K	<0.1%
TIAA Access Nuv Core Pl Bd	—	—	—	$61K	<0.1%
TIAA Access Nuv Core Bond	—	—	—	$53K	<0.1%
TIAA Plan Loan Default Fund	—	—	—	$48K	<0.1%
Vanguard U.S. Growth	—	—	—	$45K	<0.1%
Vanguard Explorer	—	—	—	$45K	<0.1%
Vanguard Health Care	—	—	—	$43K	<0.1%
TIAA Access Nuv Lifcyc 2015	—	—	—	$39K	<0.1%
Columbia VP Columbia Vp Disciplined Core Fund	—	—	—	$37K	<0.1%
Lincoln LVIP Jpmorgan Retirement Income Fund	—	—	—	$35K	<0.1%
Equitable Eq/MFS Technology	—	—	—	$34K	<0.1%
Equitable Multimanager Core Bond	—	—	—	$34K	<0.1%
Vanguard Target Retire 2050	—	—	—	$33K	<0.1%
Lincoln LVIP Macquarie Value Series	—	—	—	$32K	<0.1%
Lincoln LVIP Macquarie Bond	—	—	—	$30K	<0.1%
Lincoln LVIP T Rowe Price 2050 Fund	—	—	—	$30K	<0.1%
Vanguard Extended Market Index	—	—	—	$26K	<0.1%
Equitable Eq/Small Company Index	—	—	—	$25K	<0.1%
Equitable Eq/International Equity Index	—	—	—	$25K	<0.1%
Lincoln LVIP Ssga Small-Cap Index 408 * Lincoln LVIP Franklin Templeton Mf Em Eqfnd 136 Macquarie Small Cap Value	—	—	—	$23K	<0.1%
Equitable Sio - Russell 2000 1 Yr -10% Buffer	—	—	—	$22K	<0.1%
Columbia VP Columbia Vp Balanced Fund	—	—	—	$20K	<0.1%
Equitable Sio - Msci Eafe 1 Yr -10% Buffer	—	—	—	$20K	<0.1%
Lincoln LVIP T Rowe Price 2030 Fund	—	—	—	$20K	<0.1%
American Funds American Funds International	—	—	—	$18K	<0.1%
Equitable Eq/Large Cap Growth Index	—	—	—	$18K	<0.1%
Equitable Eq/MFS International Value	—	—	—	$14K	<0.1%
Equitable Eq/MFS Utilities Series	—	—	—	$14K	<0.1%
TIAA Access Nuv Infl Lnk Bd	—	—	—	$14K	<0.1%
Columbia VP - Moderately Aggressive Port	—	—	—	$12K	<0.1%
Equitable Target 2055 Allocation	—	—	—	$12K	<0.1%
TIAA Access Nuv Rlestsecsel 8S	—	—	—	$11K	<0.1%
AXA 400 Managed Vol	—	—	—	$11K	<0.1%
AXA Conserv Allocation	—	—	—	$10K	<0.1%
Equitable Eq/Large Cap Value Index	—	—	—	$9K	<0.1%
AXA Balanced Strategy	—	—	—	$9K	<0.1%
Equitable Eq Conservative Growth Mf/Etf	—	—	—	$9K	<0.1%
Columbia VP Columbia Vp High Yield Bond Fund	—	—	—	$8K	<0.1%
Equitable Eq/Jpmorgan Growth Stock	—	—	—	$8K	<0.1%
AXA Conservative Strategy	—	—	—	$8K	<0.1%
TIAA Access Vang Select Val	—	—	—	$6K	<0.1%
Equitable Eq/Oppenheimer Global	—	—	—	$6K	<0.1%
Equitable Eq/Gamco Small Company Value	—	—	—	$6K	<0.1%
TIAA Access Ddg&Cox Intl St	—	—	—	$6K	<0.1%
TIAA Access Americ Wamu Inv	—	—	—	$5K	<0.1%
Equitable Sio- S&P 500 Index 3Yr - 20% Buffer	—	—	—	$5K	<0.1%
Columbia VP Columbia Vp Dividend Opportunity Fd	—	—	—	$5K	<0.1%
Equitable Sio - Russell 2000 3 Yr -20% Buffer	—	—	—	$5K	<0.1%
Columbia VP Columbia Vp Intermediate Bond Fund	—	—	—	$4K	<0.1%
TIAA Access Trp Inst Lgcpgr	—	—	—	$4K	<0.1%
Fidelity Vip Mid Cap	—	—	—	$4K	<0.1%
Macquarie Vip High Inc Series	—	—	—	$4K	<0.1%
TIAA Access Wstast Cr Pl Bd	—	—	—	$4K	<0.1%
Equitable Eq/Blackrock Basic Value Eqty	—	—	—	$4K	<0.1%
Columbia VP Col Vp Midcap Gr	—	—	—	$3K	<0.1%
Columbia VP Columbia Vp Govt Money Market Fund	—	—	—	$3K	<0.1%
Columbia VP Columbia Vp Overseas Core Fund	—	—	—	$3K	<0.1%
Equitable Target 2045 Allocation	—	—	—	$3K	<0.1%
AXA Int Val Managed Vol	—	—	—	$2K	<0.1%
Equitable Eq/Fidelity Instnl Am Lrg Cap	—	—	—	$2K	<0.1%
TIAA Access Nuv Lg Cp Gr Ix	—	—	—	$2K	<0.1%
Lincoln LVIP T. Rowe Price Structured Mid-Cap Growth	—	—	—	$2K	<0.1%
Equitable Eq/Core Bond Index	—	—	—	$2K	<0.1%
Equitable Multimanager Technology	—	—	—	$2K	<0.1%
Equitable Eq/Goldman Sachs Mid Cap Value	—	—	—	$2K	<0.1%
Lincoln LVIP Global Moderate Allocation Mgd Risk	—	—	—	$1K	<0.1%
TIAA Access Nuv Emer Mkt Eq	—	—	—	$1K	<0.1%
Invesco V.I. Diversified Div	—	—	—	$1K	<0.1%
Equitable Eq/Jpmorgan Val Opportunities	—	—	—	$1K	<0.1%
Columbia VP Rvs Life Fixed	—	—	—	$1K	<0.1%
Equitable Eq/Wellington Energy	—	—	—	$1K	<0.1%