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Original filing (PDF)20251015065754NAL0001954387001
THE LEARNING TREE, INC.
Form 5500
FILING_RECEIVED
THE LEARNING TREE, INC. 403(B) PLAN
403(b) retirement plan
Signals · 3
42% in single holding~101 bps in Sched C feesNo recordkeeper disclosed
Active participants
417
Accounts w/ balance
136
Plan assets (EOY)
$3.1M
Net assets (EOY)
$3.1M
How this plan invests
This plan
18 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
80
/ 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
79
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "JPMorgan Global Allocation R6 JP Morgan 0" is 42% of plan.
- 101 bps in Schedule C fees — 95% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 33% 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 THE LEARNING TREE, INC..
Plan sponsor
Name
THE LEARNING TREE, INC.
EIN
63-0854115
Address
5451 ABLE COURT · MOBILE, AL · 36693
Phone
(251) 649-4420
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
2025-10-15
Pension benefit codes
2M · 403(b)(7) custodial accounts
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CARR, RIGGS INGRAM, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS LLC | 11-3665754 | — | NONE | $19K | — |
| MERRILL LYNCH RETIREMENT & BENEFIT | 13-5674085 | — | NONE | $13K | — |
Investments
18 direct securities· $3.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JPMorgan Global Allocation R6 JP Morgan 0 | — | — | — | $1.3M | 42.4% | |
| iShares S&P 500 Index K iShares 0 | — | — | — | $553K | 17.9% | |
| Fidelity Advisor New Insights Z Fidelity 0 | — | — | — | $442K | 14.3% | |
| American Funds American Balanced R6 American Funds 0 | — | — | — | $243K | 7.9% | |
| American Century Small Cap Value R6 American Century 0 | — | — | — | $133K | 4.3% | |
| Loomis Sayles Small Cap Growth N Loomis Sayles 0 | — | — | — | $72K | 2.3% | |
| T. Rowe Price Dividend Growth Inv T. Rowe Price 0 | — | — | — | $57K | 1.9% | |
| ClearBridge Small Cap I Legg Mason 0 | — | — | — | $43K | 1.4% | |
| T. Rowe Price Spect Mod Grw Alloc I T. Rowe Price 0 | — | — | — | $42K | 1.4% | |
| JPMorgan Equity Income R6 JP Morgan 0 | — | — | — | $41K | 1.3% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $41K | 1.3% | |
| Vanguard International Growth Adm Vanguard 0 | — | — | — | $37K | 1.2% | |
| Janus Henderson Global Equity Income N Janus Henderson 0 | — | — | — | $22K | 0.7% | |
| PIMCO Income Instl PIMCO 0 | — | — | — | $20K | 0.7% | |
| Vanguard LifeStrategy Income Inv Vanguard 0 | — | — | — | $11K | 0.4% | |
| BlackRock International Instl BlackRock 0 | — | — | — | $10K | 0.3% | |
| BlackRock Core Bond Portfolio Instl BlackRock 0 | — | — | — | $8K | 0.3% | |
| Vanguard Treasury Money Market Vanguard 0 | — | — | — | $7K | 0.2% |