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Original filing (PDF)20251020105322NAL0001017792001
OGLETHORPE, INC.
Form 5500
FILING_RECEIVED
OGLETHORPE, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
~152 bps in Sched C fees
Active participants
433
Accounts w/ balance
125
Plan assets (EOY)
$5.6M
Net assets (EOY)
$5.6M
How this plan invests
This plan
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 152 bps in Schedule C fees — 193% above peer band of 52 bps.
- Only 29% 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 OGLETHORPE, INC..
Plan sponsor
Name
OGLETHORPE, INC.
EIN
59-3586063
Address
7074 GROVE ROAD, SUITE C · BROOKSVILLE, FL · 34609
Phone
(813) 978-1933
Industry
Management of Companies / Holdingssee 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
2025-10-20
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
ROBERTS, SPEED & COMPANY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $35K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES | 13-2638166 | — | INVESTMENT ADVISOR | $16K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RETIREMENT SOLUTIONS SPECIALISTS | 27-0293282 | — | TPA | $8K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HARRELL, STINE & ASSOCIATES LLC | 26-1821557 | — | AUDITOR | $23K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $4K | — |
Investments
34 direct securities· $5.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Ishares s&p 500 index k Mutual funds | — | — | — | $828K | 14.9% | |
| Blackrock lifepath index retirement k Mutual funds | — | — | — | $776K | 13.9% | |
| American funds gr and inc port r-6 Mutual funds | — | — | — | $524K | 9.4% | |
| Blackrock lifepath index 2030 k Mutual funds | — | — | — | $516K | 9.3% | |
| Blackrock lifepath index 2035 k Mutual funds | — | — | — | $293K | 5.3% | |
| General account Fixed annuties | — | — | — | $275K | 4.9% | |
| Blackrock lifepath index 2045 k Mutual funds | — | — | — | $265K | 4.7% | |
| American funds new perspective r6 Mutual funds | — | — | — | $216K | 3.9% | |
| American funds washington mutual r6 Mutual funds | — | — | — | $185K | 3.3% | |
| Ishares u.s. aggregate bond index k Mutual funds | — | — | — | $148K | 2.7% | |
| Ishares russell mid-cap index k Mutual funds | — | — | — | $136K | 2.4% | |
| Ishares msci total international index k Mutual funds | — | — | — | $124K | 2.2% | |
| Blackrock lifepath index 2055 k Mutual funds | — | — | — | $114K | 2.0% | |
| Pimco real return instl Mutual funds | — | — | — | $96K | 1.7% | |
| Massmutual blue chip growth i Mutual funds | — | — | — | $95K | 1.7% | |
| Blackrock lifepath index 2040 k Mutual funds | — | — | — | $94K | 1.7% | |
| Participant loans Rates 6.50 - 9.50% | — | — | — | $93K | 1.7% | |
| American funds europacific gr r6 Mutual funds | — | — | — | $89K | 1.6% | |
| Pimco total return instl Mutual funds | — | — | — | $87K | 1.6% | |
| Amer funds conserv g/i portfolio r6 Mutual funds | — | — | — | $80K | 1.4% | |
| Ishares russell 2000 small-cap index k Mutual funds | — | — | — | $71K | 1.3% | |
| Blackrock lifepath index 2050 k Mutual funds | — | — | — | $63K | 1.1% | |
| American funds new world r6 Mutual funds | — | — | — | $57K | 1.0% | |
| Dfa real estate securities i Mutual funds | — | — | — | $50K | 0.9% | |
| Victory sycamore established value r6 Mutual funds | — | — | — | $50K | 0.9% | |
| Blackrock lifepath index 2060 k Mutual funds 84 * Columbia small cap growth i inst3 Mutual funds | — | — | — | $46K | 0.8% | |
| Lord abbett bond debenture r6 Mutual funds | — | — | — | $37K | 0.7% | |
| Blackrock global allocation k Mutual funds | — | — | — | $36K | 0.7% | |
| Dfa us targeted value i Mutual funds | — | — | — | $33K | 0.6% | |
| American funds american balanced r6 Mutual funds | — | — | — | $32K | 0.6% | |
| Represents a party-in-interest to the Plan (1) | — | — | — | $27K | 0.5% | |
| Jpmorgan mid cap growth r6 Mutual funds | — | — | — | $19K | 0.3% | |
| Invesco gold & special minerals r6 Mutual funds | — | — | — | $8K | 0.1% | |
| Participant Loan Contributions Not Corrected Outside Pending Correction Under VFCP and PTE Repayments are Included: Corrected VFCP in VFCP 2002-51 $ - | — | — | — | $2K | <0.1% |
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