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Original filing (PDF)20250924141230NAL0008255680001
COMMUNITY SENIOR LIFE
Form 5500
FILING_RECEIVED
CSL 403(B) PLAN
403(b) retirement plan
Signals · 2
~120 bps in Sched C feesNo recordkeeper disclosed
Active participants
225
Accounts w/ balance
141
Plan assets (EOY)
$1.5M
Net assets (EOY)
$1.5M
How this plan invests
This plan
14 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
80
Participation health
80
Knocking points off
- 120 bps in Schedule C fees — 131% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 63% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COMMUNITY SENIOR LIFE.
Plan sponsor
Name
COMMUNITY SENIOR LIFE
EIN
63-1001785
Address
25819 CANAL ROAD · ORANGE BEACH, AL · 36561
Phone
(205) 221-8263
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-24
Pension benefit codes
2A · Age/service weighted or new comparability
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CARR RIGGS & INGRAM LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $18K | — |
Investments
14 direct securities· $1.4M(95% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Funds Inc Prin LifeTime Hybrid 2055 R6 | — | — | — | $343K | 22.7% | |
| Principal Funds Inc Prin LifeTime Hybrid 2035 R6 | — | — | — | $258K | 17.1% | |
| Principal Funds Inc Prin LifeTime Hybrid 2040 R6 | — | — | — | $215K | 14.2% | |
| Principal Funds Inc Prin LifeTime Hybrid 2045 R6 | — | — | — | $161K | 10.6% | |
| Principal Funds Inc Prin LifeTime Hybrid 2050 R6 | — | — | — | $150K | 9.9% | |
| Principal Funds Inc Prin LifeTime Hybrid 2060 R6 | — | — | — | $124K | 8.2% | |
| Principal Funds Inc Prin LifeTime Hybrid Inc R6 | — | — | — | $98K | 6.5% | |
| Principal Funds Inc Prin LifeTime Hybrid 2025 R6 | — | — | — | $28K | 1.9% | |
| Principal Funds Inc Prin LifeTime Hybrid 2020 R6 | — | — | — | $20K | 1.3% | |
| Principal Funds Inc Prin LifeTime Hybrid 2065 R6 | — | — | — | $15K | 1.0% | |
| Principal Funds Inc Prin LifeTime Hybrid 2015 R6 | — | — | — | $15K | 1.0% | |
| BlackRock iShares S&P 500 Index K Fund | — | — | — | $8K | 0.5% | |
| Principal Funds Inc Prin LgCap Growth I R6 Fund | — | — | — | $2K | 0.1% | |
| Principal Funds Inc Prin LifeTime Hybrid 2030 R6 | — | — | — | $2K | 0.1% |
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