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Original filing (PDF)20250825105601NAL0007779473001
PEOPLES FIRST PROPERTIES, INC.
Form 5500
FILING_RECEIVED
PEOPLES FIRST PROPERTIES RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
27% in single holdingNo recordkeeper disclosed
Active participants
884
Accounts w/ balance
831
Plan assets (EOY)
$21.1M
Net assets (EOY)
$21.1M
How this plan invests
This plan
6 pooled trusts
Schedule D
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
87
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Prin MidCap S&P 400 Idx SA-NE" is 27% of plan.
- 59 bps in Schedule C fees — 103% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PEOPLES FIRST PROPERTIES, INC..
Plan sponsor
Name
PEOPLES FIRST PROPERTIES, INC.
EIN
59-3020789
Address
1022 W. 23RD STREET · SUITE 300 · PANAMA CITY, FL · 32405
Phone
(850) 914-3217
Industry
Management of Companies / Holdingssee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-25
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
TARWATER & COMPANY, PSC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | CONSULTANT | $30K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $94K | — |
Investments
22 direct securities · 6 pooled funds· $29.5M(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
$21.0M
22 holdings
Pooled Separate Account
$8.5M
6 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Prin MidCap S&P 400 Idx SA-NE | — | — | $0 | $5.6M | 26.6% | |
| LORD ABBETT DEV GROWTH R6 FUND | — | — | $0 | $4.7M | 22.1% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $4.7M | 22.1% | |
| Lord Abbett Bd Debenture R6 Fd | — | — | $0 | $2.7M | 13.0% | |
| Lord Abbett Inf Focsd R6 Fund | — | — | $0 | $1.9M | 8.9% | |
| PRIN LARGECAP GROWTH I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 066 | Pooled Separate Account | — | — | $1.8M | 8.5% | |
| Prin Real Estate Secs SA-Z | — | — | $0 | $1.8M | 8.5% | |
| PRIN LGCP S&P 500 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $1.1M | 5.2% | |
| Prin SmCap S&P 600 Index SA-NE | — | — | $0 | $1.1M | 5.2% | |
| JP Morgan US Value R6 Fund | — | — | $0 | $955K | 4.5% | |
| Invesco Small Cap Value R6 Fd | — | — | $0 | $610K | 2.9% | |
| Prin Fixed Inc Guar Option | — | — | — | $500K | 2.4% | |
| PRIN MIDCAP S&P 400 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $500K | 2.4% | |
| Prin LargeCap Growth I SA-Z | — | — | $0 | $468K | 2.2% | |
| PRIN SMCAP S&P 600 INDEX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $468K | 2.2% | |
| Prin LgCp S&P 500 Idx SA-NE | — | — | $0 | $412K | 2.0% | |
| FIDELITY ADV BALANCED Z FUND | — | — | $0 | $122K | 0.6% | |
| Columbia Total Ret Bond I3 Fd | — | — | $0 | $25K | 0.1% | |
| American Funds NewWorld R6 | — | — | $0 | $25K | 0.1% | |
| Fidelity International Idx Fd | — | — | $0 | $25K | 0.1% | |
| BlackRock Mid-Cap Value K Fund | — | — | $0 | $24K | 0.1% | |
| Am Fds EuroPacific Grth R6 Fd | — | — | $0 | $22K | 0.1% | |
| Am Fds Am Hi-Inc Trs R6 Fund | — | — | $0 | $5K | <0.1% | |
| Fidelity US Bond Index Fund | — | — | $0 | $2K | <0.1% | |
| Prin Core Fix Inc Sep Acct-Z | — | — | $0 | $1K | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $1K | <0.1% | |
| Franklin Sm-Mid Cap Grth R6 Fd | — | — | $0 | $1K | <0.1% | |
| The American Funds | — | — | $0 | $817 | <0.1% |
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