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Original filing (PDF)20251002113339NAL0000699040001
USPIRITUS INC.
Form 5500
FILING_RECEIVED
USPIRITUS, INC. 403(B) PLAN
403(b) retirement plan
Signals · 3
Late filing · 34.5 mo~100 bps in Sched C feesNo recordkeeper disclosed
Active participants
256
Accounts w/ balance
105
Plan assets (EOY)
$3.3M
Net assets (EOY)
$3.3M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
77
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
75
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Filed 34.5 months past the 10.5-month grace window.
- 100 bps in Schedule C fees — 92% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 41% 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 USPIRITUS INC..
Plan sponsor
Name
USPIRITUS INC.
EIN
61-0471572
Address
10401 LINN STATION RD · SUITE 100 · LOUISVILLE, KY · 40223
Phone
(502) 589-8600
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2021-01-01
Tax period
2021-12-31
Filed
2025-10-02
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
STROTHMAN AND COMPANY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SHEPHERD FINANCIAL INVESTMENT ADVIS | 82-0759826 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $33K | — |
Investments
27 direct securities· $3.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Service Company | — | — | — | $460K | 13.8% | |
| American Funds Service Company | — | — | — | $397K | 11.9% | |
| American Funds Service Company | — | — | — | $352K | 10.5% | |
| American Funds Service Company | — | — | — | $280K | 8.4% | |
| American Funds Service Company | — | — | — | $271K | 8.1% | |
| Fidelity Investments | — | — | — | $217K | 6.5% | |
| Principal Life Insurance Company | — | — | — | $192K | 5.7% | |
| Fidelity Investments | — | — | — | $177K | 5.3% | |
| American Funds Service Company | — | — | — | $170K | 5.1% | |
| Vanguard Group | — | — | — | $127K | 3.8% | |
| Fidelity Investments | — | — | — | $118K | 3.5% | |
| The American Funds | — | — | — | $113K | 3.4% | |
| American Funds Service Company | — | — | — | $77K | 2.3% | |
| American Funds Service Company | — | — | — | $73K | 2.2% | |
| American Funds Service Company | — | — | — | $56K | 1.7% | |
| The American Funds | — | — | — | $54K | 1.6% | |
| JP Morgan Funds | — | — | — | $42K | 1.3% | |
| American Century Investments | — | — | — | $30K | 0.9% | |
| Notes Receivable from Participants | — | — | — | $30K | 0.9% | |
| Fidelity Investments | — | — | — | $28K | 0.8% | |
| Dimensional Fund Advisors | — | — | — | $28K | 0.8% | |
| Parnassus | — | — | — | $15K | 0.5% | |
| American Funds Service Company | — | — | — | $10K | 0.3% | |
| Fidelity Investments | — | — | — | $5K | 0.2% | |
| American Funds Service Company | — | — | — | $4K | 0.1% | |
| Principal Funds Inc. | — | — | — | $3K | <0.1% | |
| PGIM Investments | — | — | — | $1K | <0.1% |