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Original filing (PDF)20251002122139NAL0001236146001
SAINT LEO UNIVERSITY
Form 5500
FILING_RECEIVED
SAINT LEO UNIVERSITY RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,559
Accounts w/ balance
2,415
Plan assets (EOY)
$119.3M
Net assets (EOY)
$119.3M
How this plan invests
This plan
1 pooled trust
Schedule D
155 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
- 12 bps in Schedule C fees — modestly above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SAINT LEO UNIVERSITY.
Plan sponsor
Name
SAINT LEO UNIVERSITY
EIN
59-1237047
Address
33701 STATE ROAD 52 · SAINT LEO, FL · 335746665
Phone
(352) 588-8465
Industry
Educational Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-02
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS, LLC | — | CHARLOTTE, NC | SERVICE PROVIDER | $81K | — |
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | SERVICE PROVIDER | $65K | — |
Investments
127 direct securities · 1 pooled fund· $131.5M(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
$126.9M
124 holdings
Mutual Funds
$2.5M
1 holding
Pooled Separate Account
$1.4M
1 holding
Insurance Contracts
$844K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Vangrd Instit Index Fnd Ins | — | — | — | $12.0M | 10.0% | |
| TIAA CREF TIAA Traditional Annuity | — | — | — | $11.3M | 9.5% | |
| TIAA CREF Stock | — | — | — | $8.3M | 6.9% | |
| JP Morgan Jpmorgan Lgcp Grw Fund R6 | — | — | — | $7.0M | 5.9% | |
| Vanguard Vangrd Tot Int Stk In F Adm | — | — | — | $5.0M | 4.2% | |
| Voya Fixed Account (4452) | — | — | — | $5.0M | 4.2% | |
| JPMorgan SmartRet B 2035 Fd R6 Registered Investment Company | — | — | — | $4.9M | 4.1% | |
| Variable Annuity Life Insurance Company VALIC-Fixed Account Plus | — | — | — | $3.2M | 2.7% | |
| TIAA CREF Global Equities | — | — | — | $3.1M | 2.6% | |
| TIAA CREF Growth | — | — | — | $2.9M | 2.4% | |
| Vanguard Vangrd Small-Cap Index Fnd Adm | — | — | — | $2.6M | 2.2% | |
| Vangrd Tot Bd Mkt Ind Fd Adm Registered Investment Company | — | — | — | $2.6M | 2.1% | |
| Vanguard Tl Bd Mk Idx Adm | — | — | — | $2.6M | 2.1% | |
| MFS Mid Cap Value R3 | — | — | — | $2.6M | 2.1% | |
| JPMorgan Mid Cap Growth Fd R6 Registered Investment Company | Mutual Funds | — | — | $2.5M | 2.1% | |
| JP Morgan Jpmorgan Smartretire 2040 R6 | — | — | — | $2.4M | 2.0% | |
| JPMorgan SmartRet B 2025 Fd R6 Registered Investment Company | — | — | — | $2.3M | 2.0% | |
| JP Morgan Jp Morgan Smartretire 2025 R6 | — | — | — | $2.3M | 2.0% | |
| JPMorgan SmartRet B 2045 Fd R6 Registered Investment Company | — | — | — | $2.2M | 1.9% | |
| TIAA CREF Equity Index | — | — | — | $2.2M | 1.8% | |
| JP Morgan Jpmorgan Smartretire 2030 R6 | — | — | — | $1.9M | 1.6% | |
| JP Morgan Jpmorgan Equity Income R6 | — | — | — | $1.7M | 1.4% | |
| JPMorgan SmartRet B 2050 Fd R6 Registered Investment Company | — | — | — | $1.7M | 1.4% | |
| JP Morgan Jp Morgan Smartretire 2020 R6 | — | — | — | $1.7M | 1.4% | |
| JPMorgan SmartRet B 2020 Fd R6 Registered Investment Company | — | — | — | $1.7M | 1.4% | |
| Voya Gv Mny Mkt F A (Hld Acct) 566 American Europacific Amer Funds Europac Growth R6 | — | — | — | $1.6M | 1.4% | |
| JP Morgan Jpmorgan Smartretire 2055 R6 | — | — | — | $1.6M | 1.4% | |
| TIAA REAL ESTATE TIAA-CREG · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $1.4M | 1.2% | |
| Variable Annuity Life Insurance Company VALIC-Stock Index Fund | — | — | — | $1.2M | 1.0% | |
| CREF Core Bond R2 Registered Investment Company | — | — | — | $1.1M | 1.0% | |
| JPMorgan SmartRet B Inc Fd R6 Registered Investment Company | — | — | — | $1.1M | 1.0% | |
| JP Morgan Jpmorgan Smartretire Income R6 | — | — | — | $1.1M | 1.0% | |
| Cohen&Steers Inst Ri Shares | — | — | — | $1.1M | 0.9% | |
| (Held at End of Year) SAINT LEO UNIVERSITY 403B EIN#59-1237047 Plan# 003 Principal SCp Growth Fd I R6 Registered Investment Company | — | — | — | $989K | 0.8% | |
| JPMorgan SmartRet B 2060 Fd R6 Registered Investment Company | — | — | — | $985K | 0.8% | |
| JP Morgan Jp Morgan Smrtretrmt 2060 R6 | — | — | — | $985K | 0.8% | |
| Invesco Valic-Oppenheimer Intl Sml Mid Co Y | — | — | — | $942K | 0.8% | |
| Inv Intl Sm-Md Co Fd R6 Registered Investment Company | — | — | — | $942K | 0.8% | |
| TIAA CREF Money Market | — | — | — | $910K | 0.8% | |
| Vangrd St-Trm Bd Indx Fnd Adm Registered Investment Company | — | — | — | $750K | 0.6% | |
| TIAA CREF Inflation-Linked Bond | — | — | — | $740K | 0.6% | |
| Delaware Small Cap Value Instl | — | — | — | $722K | 0.6% | |
| Neuberg Berm Strat Inc Fd R6 Registered Investment Company | — | — | — | $705K | 0.6% | |
| Neuberger Berman Strat Inc R6 | — | — | — | $705K | 0.6% | |
| maturing through March 2038 | — | — | — | $618K | 0.5% | |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company $566 LOAN FUND Participant Loans - Rates 8.75% to 9.50% | — | — | — | $579K | 0.5% | |
| Vanguard Windsor II | — | — | — | $558K | 0.5% | |
| s - benefit responsive * TIAA CREF TIAA Traditional Annuity | Insurance Contracts | — | — | $538K | 0.5% | |
| Variable Annuity Life Insurance Company VALIC-Mid Cap Index Fund | — | — | — | $537K | 0.5% | |
| TIAA CREF Tiaa Access Large-Cap Val. | — | — | — | $518K | 0.4% | |
| TIAA CREF Tiaa Access Mid-Cap Val. | — | — | — | $508K | 0.4% | |
| Variable Annuity Life Insurance Company VALIC-Aggressive Growth Lifestyle | — | — | — | $428K | 0.4% | |
| Variable Annuity Life Insurance Company VALIC-Socially Responsible Fund | — | — | — | $427K | 0.4% | |
| INTERNATL EQUITIES INDEX FUND Registered Investment Company | — | — | — | $416K | 0.3% | |
| TIAA CREF VALIC-International Equities Fund | — | — | — | $416K | 0.3% | |
| Variable Annuity Life Insurance Company VALIC-Science & Technology Fund | — | — | — | $408K | 0.3% | |
| TIAA CREF Tiaa Access Intl Equity | — | — | — | $370K | 0.3% | |
| TIAA CREF Social Choice | — | — | — | $362K | 0.3% | |
| TIAA CREF Tiaa Access Small-Cap Equity | — | — | — | $357K | 0.3% | |
| Vanguard Wellington Fund, Inc. | — | — | — | $354K | 0.3% | |
| s - non benefit responsive * Variable Annuity Life Insurance Company VALIC-Short Term Fixed Account | Insurance Contracts | — | — | $306K | 0.3% | |
| Goldman Sachs Goldman Sachs Variable Insurance Trust Govt MM | — | — | — | $291K | 0.2% | |
| GS VIT GOV MONEY MKT FD INST Registered Investment Company | — | — | — | $291K | 0.2% | |
| TIAA Access Nuv Sm Cp Bl Ix T4 Registered Investment Company | — | — | — | $282K | 0.2% | |
| TIAA CREF Tiaa Access Lifecycle 2050 | — | — | — | $281K | 0.2% | |
| Variable Annuity Life Insurance Company VALIC-Moderate Growth Lifestyle | — | — | — | $280K | 0.2% | |
| Variable Annuity Life Insurance Company VALIC-Core Bond Fund | — | — | — | $268K | 0.2% | |
| TIAA CREF Tiaa Access Lifecycle 2030 | — | — | — | $264K | 0.2% | |
| TIAA Access Nuv Core Equity T4 Registered Investment Company | — | — | — | $258K | 0.2% | |
| TIAA CREF Tiaa Access Lifecycle 2040 | — | — | — | $245K | 0.2% | |
| TIAA CREF Tiaa Access Large-Cap Gr. | — | — | — | $241K | 0.2% | |
| Variable Annuity Life Insurance Company VALIC-Global Equity | — | — | — | $236K | 0.2% | |
| EMERGING ECONOMIES Registered Investment Company | — | — | — | $236K | 0.2% | |
| TIAA Access Nuv RlEstSecSel T4 Registered Investment Company | — | — | — | $231K | 0.2% | |
| Variable Annuity Life Insurance Company VALIC-Growth Fund | — | — | — | $228K | 0.2% | |
| Variable Annuity Life Insurance Company VALIC-Mid Cap Value Fund | — | — | — | $202K | 0.2% | |
| TIAA Access Nuv Core Pl Bd T4 Registered Investment Company | — | — | — | $199K | 0.2% | |
| Self Directed Brokerage Accounts Charles Schwab Charles Schwab Sdba | — | — | — | $197K | 0.2% | |
| TIAA CREF Tiaa Access Lifecycle 2035 | — | — | — | $193K | 0.2% | |
| TIAA CREF Tiaa Access Lifecycle 2025 | — | — | — | $180K | 0.2% | |
| Variable Annuity (Cont.) * Variable Annuity Life Insurance Company VALIC-Mid Cap Strategic Gwth | — | — | — | $174K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC VC I Capital Appreciation | — | — | — | $174K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-Small Cap Index Fund | — | — | — | $167K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-International Opportunities | — | — | — | $165K | 0.1% | |
| Vanguard Lifestrategy Growth | — | — | — | $162K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-Growth & Income Fund | — | — | — | $158K | 0.1% | |
| SYSTEMATIC CORE FUND Registered Investment Company | — | — | — | $158K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC- Conserv Growth Lifestyle | — | — | — | $152K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-Nasdaq-100(R) Index Fund | — | — | — | $149K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-High Yield Bond Fund | — | — | — | $130K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-Inflation Protected Fund | — | — | — | $128K | 0.1% | |
| Variable Annuity Life Insurance Company VALIC-Foreign Value | — | — | — | $127K | 0.1% | |
| Vanguard Vangrd Mid-Cap Index Fund Adm | — | — | — | $116K | <0.1% | |
| Variable Annuity * TIAA CREF Tiaa Access Equity Index | — | — | — | $115K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Small Cap Value Fund | — | — | — | $114K | <0.1% | |
| TIAA CREF Tiaa Access Lifecycle 2045 | — | — | — | $113K | <0.1% | |
| INTL SOCIALLY RESPONSIBLE FUND Registered Investment Company | — | — | — | $107K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Global Social Awareness Fund | — | — | — | $107K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Blue Chip Growth Fund | — | — | — | $105K | <0.1% | |
| ARIEL FUND Registered Investment Company | — | — | — | $104K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Dividend Value | — | — | — | $104K | <0.1% | |
| TIAA CREF Tiaa Access Mid-Cap Gr. | — | — | — | $102K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Small Cap Growth Fund | — | — | — | $94K | <0.1% | |
| (Held at End of Year) SAINT LEO UNIVERSITY 403B EIN#59-1237047 Plan# 003 GLOBAL STRATEGY Registered Investment Company | — | — | — | $83K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Global Real Estate Fund | — | — | — | $79K | <0.1% | |
| Vanguard Lt Inv-Grade Fund | — | — | — | $76K | <0.1% | |
| TIAA CREF Tiaa Access Lifecycle 2010 | — | — | — | $67K | <0.1% | |
| Fidelity Total Bond K6 Fund | — | — | — | $58K | <0.1% | |
| TIAA CREF Tiaa Access Lifecycle 2020 | — | — | — | $52K | <0.1% | |
| Variable Annuity (Cont.) * TIAA CREF Tiaa Access Social Ch. Eq. | — | — | — | $47K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Government Securities Fund | — | — | — | $40K | <0.1% | |
| Participant Loan Fund Participant Loan Fund | — | — | — | $39K | <0.1% | |
| American Beacon VALIC-BRDWY Large Capital Growth | — | — | — | $35K | <0.1% | |
| AMER BEA MAN LRG CP GR INV CL Registered Investment Company | — | — | — | $35K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Small Cap Special Value Fund | — | — | — | $33K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Large Capital Growth | — | — | — | $28K | <0.1% | |
| Vanguard Lifestrategy Moderate | — | — | — | $27K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Ariel Appreciation Fund | — | — | — | $24K | <0.1% | |
| (Held at End of Year) SAINT LEO UNIVERSITY 403B EIN#59-1237047 Plan# 003 SYSTEMATIC VALUE Registered Investment Company | — | — | — | $22K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-International Government Bond | — | — | — | $21K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-Asset Allocation Fund | — | — | — | $21K | <0.1% | |
| Vanguard Lifestrategy Conservative | — | — | — | $20K | <0.1% | |
| Variable Annuity Life Insurance Company VALIC-International Growth I Fund | — | — | — | $18K | <0.1% | |
| Vanguard Long-Term Treasury | — | — | — | $15K | <0.1% | |
| Plan Loan Default Fund Insurance Company General Contract | — | — | — | $13K | <0.1% | |
| TIAA CREF TIAA Transfer In/Earnings | — | — | — | $13K | <0.1% | |
| JP Morgan Jpmorgan Smartret Bl 2065 F R6 | — | — | — | $8K | <0.1% | |
| TIAA CREF Tiaa Access Lifecycle 2015 | — | — | — | $6K | <0.1% |