Original filing (PDF)20251014210106NAL0003605777001

LIFESKILLS, INC.

Name: LIFESKILLS, INC. — LIFESKILLS, INC. 401(K) PLAN, Form 5500 (2024)
Creator: LIFESKILLS, INC.

Form 5500

FILING_RECEIVED

LIFESKILLS, INC. 401(K) PLAN

401(k) retirement plan

Signals · 2

29% in single holding~105 bps in Sched C fees

Active participants

526

Accounts w/ balance

154

Plan assets (EOY)

$7.5M

Net assets (EOY)

$7.5M

How this plan invests

This plan

28 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

100

Concentration risk

Total plan cost

Vendor stack

100

Participation health

Knocking points off

Top holding "Lincoln Yourpath 2035 Moderate Pooled Separate Account" is 29% of plan.
105 bps in Schedule C fees — 103% 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 LIFESKILLS, INC..

Plan sponsor

Name

LIFESKILLS, INC.

EIN

61-0661819

Address

380 SUWANNEE TRAIL STREET · BOWLING GREEN, KY · 42103

Phone

(270) 901-5000

Industry

Health Care & Social Assistancesee 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

2025-10-14

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)

2A · Age/service weighted or new comparability

Audit & trust (Schedule H)

Auditor

BLUE & CO., LLC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

5 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
LINCOLN RETIREMENT SERVICES COMPANY	35-0472300	FORT WAYNE, IN	RECORDKEEPER	$51K	—
CREATIVE RETIREMENT SYSTEMS	31-1299207	CINCINNATI, OH	RECORDKEEPER	$6K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
GLOBAL RETIREMENT PARTNERS, LL	47-1411118	SAN RAFAEL, CA	INVESTMENT ADVISORY	$14K	—
WELLTH ADVISORY SERVICE, LLC	—	SHOREWOOD, IL	INVESTMENT ADVISORY	$5K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
BLUE & CO, LLC	—	CHICAGO, IL	AUDITING	$4K	—

Investments

28 direct securities· $7.5M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Lincoln Yourpath 2035 Moderate Pooled Separate Account	—	—	—	$2.2M	29.0%
Lincoln Yourpath 2030 Moderate Pooled Separate Account	—	—	—	$1.5M	20.1%
Lincoln Yourpath 2040 Moderate Pooled Separate Account	—	—	—	$1.3M	17.2%
Lincoln Yourpath 2045 Moderate Pooled Separate Account	—	—	—	$411K	5.5%
Lincoln Yourpath 2020 Moderate Pooled Separate Account	—	—	—	$362K	4.8%
Lincoln Yourpath 2025 Moderate Pooled Separate Account	—	—	—	$257K	3.4%
Lincoln Yourpath 2015 Moderate Pooled Separate Account	—	—	—	$220K	2.9%
Nuveen Large Cap Growth Index Institutional Mutual Fund	—	—	—	$216K	2.9%
Lincoln Stable Value Account Investment Contract	—	—	—	$213K	2.8%
Vanguard Mid Cap Growth Index Admiral Mutual Fund	—	—	—	$172K	2.3%
Vanguard 500 Index Admiral Mutual Fund	—	—	—	$156K	2.1%
Vanguard Developed Markets Index Admiral Mutual Fund	—	—	—	$102K	1.4%
Lincoln Yourpath 2050 Moderate Pooled Separate Account	—	—	—	$95K	1.3%
Vanguard Mid Cap Index Admiral Mutual Fund	—	—	—	$94K	1.3%
Lincoln Yourpath 2055 Moderate Pooled Separate Account	—	—	—	$73K	1.0%
American Funds New Perspective R6 Mutual Fund	—	—	—	$36K	0.5%
Vanguard Emerging Markets Stock Index Admiral Mutual Fund	—	—	—	$29K	0.4%
Lincoln Yourpath 2010 Moderate Pooled Separate Account	—	—	—	$21K	0.3%
from 2025 to 2028) -0-	—	—	—	$18K	0.2%
Lincoln Yourpath 2060 Moderate Pooled Separate Account	—	—	—	$11K	0.1%
Vanguard High Yield Corporate Admiral Mutual Fund	—	—	—	$10K	0.1%
Vanguard Total Bond Market Index Admiral Mutual Fund	—	—	—	$10K	0.1%
Vanguard Small Cap Value Index Admiral Mutual Fund	—	—	—	$7K	<0.1%
Lincoln Yourpath 2045 Aggressive Pooled Separate Account	—	—	—	$6K	<0.1%
Vanguard Small Cap Index Admiral Mutual Fund	—	—	—	$5K	<0.1%
Nuveen Large Cap Value Index Mutual Fund	—	—	—	$5K	<0.1%
Lincoln Yourpath 2025 Aggressive Pooled Separate Account	—	—	—	$5K	<0.1%
Lincoln Yourpath 2065 Moderate Pooled Separate Account	—	—	—	$4K	<0.1%