Back to filter
Original filing (PDF)20251003054427NAL0000667331001
EDUCATION & TRAINING RESOURCES
Form 5500
FILING_RECEIVED
EDUCATION & TRAINING RESOURCES, LLC 401K PLAN
401(k) retirement plan
Signals · 2
32% in single holding~76 bps in Sched C fees
Active participants
854
Accounts w/ balance
1,809
Plan assets (EOY)
$11.4M
Net assets (EOY)
$11.4M
How this plan invests
This plan
1 pooled trust
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
84
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "FEDERATED HERMES CAP PRES IP" is 32% of plan.
- 76 bps in Schedule C fees — 161% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EDUCATION & TRAINING RESOURCES.
Plan sponsor
Name
EDUCATION & TRAINING RESOURCES
EIN
61-1242482
Address
2422 AIRWAY DRIVE · BOWLING GREEN, KY · 42103
Phone
(270) 793-0607
Industry
Educational Servicessee 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
2025-10-03
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
LBMC PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $76K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | INVESTMENT ADVISOR | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LATTIMORE, BLACK, MORGAN & CRAIN, P | 62-1199757 | — | ACCOUNTANT | $10K | — |
Investments
30 direct securities · 1 pooled fund· $11.4M(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.
Registered Investment Companies
$7.8M
30 holdings
Common Collective Trust
$3.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FEDERATED HERMES CAP PRES IP FEDERATED INVESTORS TRUST CO · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $3.6M | 31.7% | |
| BLACKROCK GLOBAL ALLOCATION A | Registered Investment Companies | — | — | $1.8M | 16.1% | |
| CLEARBRIDGE LARGE CAP GROWTH A | Registered Investment Companies | — | — | $719K | 6.3% | |
| FEDERATED STRATEGIC VAL DIV A | Registered Investment Companies | — | — | $632K | 5.5% | |
| NUVEEN DIVIDEND GROWTH A | Registered Investment Companies | — | — | $627K | 5.5% | |
| WESTERN ASSET CORE PLUS BOND A | Registered Investment Companies | — | — | $610K | 5.3% | |
| AMERICAN FUNDS EUROPAC GRO- R6 | Registered Investment Companies | — | — | $470K | 4.1% | |
| AMERICAN FUNDS INT GR & INC R6 | Registered Investment Companies | — | — | $394K | 3.4% | |
| AB DISCOVERY VALUE A | Registered Investment Companies | — | — | $367K | 3.2% | |
| LOOMIS SAYLES STRATEGIC INC-A | Registered Investment Companies | — | — | $354K | 3.1% | |
| JANUS HENDERSON ENTERPRISE - A | Registered Investment Companies | — | — | $338K | 3.0% | |
| ALLSPRING SPECIAL SC VAL A | Registered Investment Companies | — | — | $301K | 2.6% | |
| AMF GROWTH FUND OF AMERICA R6 | Registered Investment Companies | — | — | $163K | 1.4% | |
| AMF NEW ECON R6 | Registered Investment Companies | — | — | $122K | 1.1% | |
| CARILLON EAGLE SMCAP GROWTH A | Registered Investment Companies | — | — | $105K | 0.9% | |
| BLACKROCK LOW DURATION BOND -A | Registered Investment Companies | — | — | $97K | 0.8% | |
| AMERICAN FUNDS WAMU - R6 | Registered Investment Companies | — | — | $86K | 0.8% | |
| JOHN HANCOCK DISC VALUE R2 | Registered Investment Companies | — | — | $85K | 0.7% | |
| NEUBERGER BERMAN EMMKTS EQ A | Registered Investment Companies | — | — | $73K | 0.6% | |
| JANUS H OVERSEAS FUND - A | Registered Investment Companies | — | — | $65K | 0.6% | |
| AMERICAN FNDS FUNDAMENT INV R6 | Registered Investment Companies | — | — | $61K | 0.5% | |
| AMERFUNDS AMER BALANCED - R6 | Registered Investment Companies | — | — | $61K | 0.5% | |
| COL SELECT LARGE CAP GR A | Registered Investment Companies | — | — | $45K | 0.4% | |
| BNYM OPPORTUNISTIC MC VAL A | Registered Investment Companies | — | — | $43K | 0.4% | |
| AMER FUNDS NEW PERSP R6 | Registered Investment Companies | — | — | $40K | 0.3% | |
| AMF INCOME FD OF AMERICA R6 | Registered Investment Companies | — | — | $30K | 0.3% | |
| AMERICAN MUTUAL FUND -R6 | Registered Investment Companies | — | — | $25K | 0.2% | |
| MFS INTL NEW DISCOVERY - A | Registered Investment Companies | — | — | $21K | 0.2% | |
| BWGL GLB OP BD A | Registered Investment Companies | — | — | $13K | 0.1% | |
| JPMORGAN INCOME BUILDER A | Registered Investment Companies | — | — | $7K | <0.1% | |
| CLEARBRIDGE INTL VALUE A | Registered Investment Companies | — | — | $5K | <0.1% |
Related plans
Other plans using ADP, INC.
THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST
UAW GM RETIREES MEDICAL BENEFITS PLAN
$30.6B
TRUSTEES OF THE NATIONAL ELECTRICAL BENEFIT FUND
NATIONAL ELECTRICAL BENEFIT FUND
$20.4B · 343,794 participants
THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST
UAW FORD RETIREES MEDICAL BENEFITS PLAN
$19.6B
NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION
401(K) PENSION PLAN
$16.8B · 61,593 participants
THE COMMITTEE OF THE UAW RETIREE MEDICAL BENEFITS TRUST
UAW CHRYSLER RETIREES MEDICAL BENEFITS PLAN
$12.7B
NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION
RETIREMENT SECURITY PLAN
$11.5B · 56,128 participants
Similar-size Educational Services plans
THE NEWMARK SCHOOL, INC.
NEWMARK EDUCATION 401(K) PLAN
$11.4M · 65 participants
SKYLINE ADVANCED TECHNOLOGIES SE
SKYLINE ADVANCED TECHNOLOGIES SERVICES 401(K) PLAN
$11.4M · 45 participants
FRENCH-AMERICAN SCHOOL OF PUGET SOUND
FRENCH AMERICAN SCHOOL OF PUGET SOUND 403(B) DC PLAN
$11.4M · 110 participants
AMERICAN ASSOCIATION OF UNIVERSITY WOMEN,INC
AMERICAN ASSOCIATION OF UNIVERSITY WOMEN 401K PLAN
$11.4M · 37 participants
NAVAJO TECHNICAL UNIVERSITY
NAVAJO TECHNICAL UNIVERSITY 401(K) PROFIT SHARING PLAN
$11.4M · 297 participants
BURRELL COLLEGE OF OSTEOPATHIC MEDICINE LLC
BCOM RETIREMENT PLAN
$11.4M · 157 participants
Large plans in Kentucky
COMMONSPIRIT HEALTH
COMMONSPIRIT HEALTH 401(K) RETIREMENT SAVINGS PLAN
$8.8B · 91,977 participants
HUMANA INC.
HUMANA RETIREMENT SAVINGS PLAN
$7.7B · 42,968 participants
COMMONSPIRIT HEALTH
COMMONSPIRIT HEALTH ERISA 403(B) PLAN
$2.9B · 28,491 participants
UNITED PARCEL SERVICE COMPANY
UPS/IPA DEFINED CONTRIBUTION MONEY PURCHASE PENSION PLAN
$2.5B · 1,993 participants
HOUCHENS INDUSTRIES, INC.
HOUCHENS INDUSTRIES, INC. EMPLOYEE STOCK OWNERSHIP PLAN
$2.3B · 7,785 participants
NORTON HEALTHCARE, INC.
NORTON HEALTHCARE 403(B) RETIREMENT SAVINGS PLAN
$2.3B · 22,952 participants