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Original filing (PDF)20250722120008NAL0005939170001
PEACE RIVER CENTER FOR PERSONAL DEVELOPMENT, INC.
Form 5500
FILING_RECEIVED
PEACE RIVER CENTER FOR PERSONAL DEVELOPMENT, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
~78 bps in Sched C fees
Active participants
436
Accounts w/ balance
439
Plan assets (EOY)
$15.8M
Net assets (EOY)
$15.8M
How this plan invests
This plan
48 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 78 bps in Schedule C fees — 170% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PEACE RIVER CENTER FOR PERSONAL DEVELOPMENT, INC..
Plan sponsor
Name
PEACE RIVER CENTER FOR PERSONAL DEVELOPMENT, INC.
EIN
59-0818924
Address
1239 E. MAIN STREET · BARTOW, FL · 33830
Phone
(863) 519-0575
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-22
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
CLIFTON LARSON ALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $51K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHAS P SMITH & ASSOCIATES PA CPAS | 59-2030217 | — | ADVISOR | $73K | — |
Investments
48 direct securities· $15.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index | — | — | — | $3.6M | 23.0% | |
| Vanguard Information Technology Index Fund Admiral Shares | — | — | — | $1.6M | 10.0% | |
| Fidelity Total Bond | — | — | — | $1.5M | 9.3% | |
| Vanguard High-Yield Corporate Fund Admiral Shares | — | — | — | $1.1M | 7.0% | |
| Vanguard Financials Index Fund Admiral Shares | — | — | — | $1.0M | 6.4% | |
| Vanguard CSM DSC Index Admiral Fund | — | — | — | $917K | 5.8% | |
| Vanguard Healthcare Index Fund | — | — | — | $904K | 5.7% | |
| Vanguard CSM STP Index Admiral Shares | — | — | — | $737K | 4.7% | |
| Vanguard Short-Term Investment Growth Admiral Shares | — | — | — | $612K | 3.9% | |
| Vanguard Utility Index Fund Admiral Shares | — | — | — | $477K | 3.0% | |
| Fidelity Freedom IDX 2040 IPR | — | — | — | $377K | 2.4% | |
| Vanguard Small Cap Growth Index Admiral Fund | — | — | — | $368K | 2.3% | |
| Fidelity Government Money Market | — | — | — | $338K | 2.1% | |
| Fidelity Freedom IDX 2025 IPR | — | — | — | $271K | 1.7% | |
| Fidelity Freedom IDX 2035 IPR | — | — | — | $254K | 1.6% | |
| Fidelity Freedom IDX 2045 IPR | — | — | — | $212K | 1.3% | |
| Participants Participant Loans Rates from 4.25% to 9.50%, Maturities Through 2031 - | — | — | — | $175K | 1.1% | |
| Vanguard 500 Index Fund Admiral Class | — | — | — | $165K | 1.0% | |
| Vanguard Growth and Income Fund Admiral Shares | — | — | — | $127K | 0.8% | |
| Vanguard Value Index Fund Admiral Shares | — | — | — | $125K | 0.8% | |
| Fidelity U.S. Bond Index Fund Investor Class | — | — | — | $110K | 0.7% | |
| Fidelity Contrafund | — | — | — | $88K | 0.6% | |
| Pimco PIM Total RT Inst | — | — | — | $86K | 0.5% | |
| Vanguard Short-Term Bond Index Fund Admiral Shares | — | — | — | $75K | 0.5% | |
| Vanguard Mid-Cap Index Fund Admiral Shares | — | — | — | $70K | 0.4% | |
| Fidelity Freedom IDX 2050 IPR | — | — | — | $68K | 0.4% | |
| Fidelity Freedom IDX 2010 IPR | — | — | — | $59K | 0.4% | |
| Fidelity Freedom IDX 2030 IPR | — | — | — | $56K | 0.4% | |
| Vanguard Health Care Index Fund Admiral Shares | — | — | — | $55K | 0.3% | |
| Fidelity International Index | — | — | — | $47K | 0.3% | |
| Fidelity Freedom Index Income IPR | — | — | — | $39K | 0.2% | |
| Vanguard Industrials Index Fund Admiral Shares | — | — | — | $29K | 0.2% | |
| Vanguard Vangaurd Small Cap Growth Fund Admiral Shares | — | — | — | $27K | 0.2% | |
| Fidelity Freedom IDX 2055 IPR | — | — | — | $19K | 0.1% | |
| Pimco PIM High Yield Inst | — | — | — | $19K | 0.1% | |
| Fidelity Freedom IDX 2060 IPR | — | — | — | $17K | 0.1% | |
| Fidelity Freedom IDX 2020 IPR | — | — | — | $16K | 0.1% | |
| Fidelity Freedom IDX 2065 IPR | — | — | — | $15K | <0.1% | |
| Vanguard Wellesley Admiral Shares | — | — | — | $14K | <0.1% | |
| Vanguard Small Cap Value Index Fund Admiral Shares | — | — | — | $9K | <0.1% | |
| Fidelity Select Banking Portfolio | — | — | — | $7K | <0.1% | |
| Templeton World R6 | — | — | — | $6K | <0.1% | |
| Vanguard Balance Index | — | — | — | $6K | <0.1% | |
| Fidelity Select Consumer Staples | — | — | — | $5K | <0.1% | |
| Vanguard Energy Index Fund Admiral Shares | — | — | — | $3K | <0.1% | |
| Fidelity Select Industrials Portfolio | — | — | — | $2K | <0.1% | |
| Fidelity Freedom IDX 2015 IPR | — | — | — | $2K | <0.1% | |
| Fidelity International Growth Fund | — | — | — | $2K | <0.1% |
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