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Original filing (PDF)20251015160204NAL0006696960001
SYSTEM STUDIES & SIMULATION, INC.
Form 5500
FILING_RECEIVED
SYSTEM STUDIES & SIMULATION, INC. 401(K) AND PROFIT SHARING/RETIREMENT PLAN
401(k) retirement plan
Active participants
708
Accounts w/ balance
477
Plan assets (EOY)
$62.4M
Net assets (EOY)
$62.4M
How this plan invests
This plan
18 pooled trusts
Schedule D
40 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
75
Vendor stack
100
Participation health
80
Knocking points off
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SYSTEM STUDIES & SIMULATION, INC..
Plan sponsor
Name
SYSTEM STUDIES & SIMULATION, INC.
EIN
63-1060391
Address
615 DISCOVERY DRIVE · HUNTSVILLE, AL · 35806
Phone
(256) 539-1700
Industry
All Other Professional Services· Professional & Technical 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
2025-10-15
Pension benefit codes
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2F · ERISA section 404(c)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HILL FOGG, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | -$102K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ERISA SMART | 45-5529798 | — | CONSULTANT | $23K | — |
| KESTRA ADVISORY SERVICES, LLC FBO | 35-2552359 | — | INVESTMENT ADVISOR | $23K | — |
Investments
29 direct securities · 18 pooled funds· $72.3M(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.
Uncategorized
$51.2M
29 holdings
Common Collective Trust
$16.3M
17 holdings
Pooled Separate Account
$4.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments Blue Chip Growth Fund | — | — | — | $12.5M | 20.0% | |
| Fidelity Investments 500 Index Fund | — | — | — | $6.5M | 10.5% | |
| New York Life Anchor Account | — | — | — | $4.8M | 7.7% | |
| STABLE VALUE ACCOUNT NEW YORK LIFE INSURANCE COMPANY · EIN 13-5582869 / PN 125 | Pooled Separate Account | — | — | $4.8M | 7.7% | |
| Pioneer Fund Class Y | — | — | — | $4.7M | 7.5% | |
| Wilmington Funds flexPATH Index+ Moderate Retirement Fund R2 | — | — | — | $4.5M | 7.2% | |
| FLEXPATH+MOD RET R2 GREAT GRAY TRUST COMPANY · EIN 47-2851418 / PN 226 | Common Collective Trust | — | — | $4.5M | 7.2% | |
| Fidelity Investments Balanced Fund | — | — | — | $4.0M | 6.4% | |
| LRG CAP GRTH III R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $3.7M | 6.0% | |
| FLEXPATH+MOD 2035 R2 GREAT GRAY TRUST COMPANY · EIN 47-3002484 / PN 232 | Common Collective Trust | — | — | $3.4M | 5.4% | |
| Carillon Family of Funds Eagle Mid Cap Growth Fund Class A | — | — | — | $2.3M | 3.6% | |
| Fidelity Investments Mid Cap Index Fund | — | — | — | $2.2M | 3.5% | |
| FLEXPATH+MOD 2045 R2 GREAT GRAY TRUST COMPANY · EIN 47-3071639 / PN 235 | Common Collective Trust | — | — | $1.6M | 2.5% | |
| Fidelity Investments Small Cap Index Fund | — | — | — | $1.2M | 1.9% | |
| BNY Mellon Dynamic Value Fund Class I | — | — | — | $1.2M | 1.9% | |
| Allspring Global Investments Core Bond Fund Institutional Class | — | — | — | $1.1M | 1.8% | |
| Fidelity Investments Total Bond Fund | — | — | — | $892K | 1.4% | |
| Fidelity Investments Worldwide Fund | — | — | — | $887K | 1.4% | |
| Fidelity Investments International Growth Fund | — | — | — | $699K | 1.1% | |
| Fidelity Investments Emerging Markets Fund Class K | — | — | — | $689K | 1.1% | |
| FLEXPATH+AGR 2055 R2 GREAT GRAY TRUST COMPANY · EIN 47-3170652 / PN 237 | Common Collective Trust | — | — | $642K | 1.0% | |
| FLEXPATH+AGR 2045 R2 GREAT GRAY TRUST COMPANY · EIN 47-3026996 / PN 234 | Common Collective Trust | — | — | $607K | 1.0% | |
| Wilmington Funds flexPATH Index+ Aggressive Retirement Fund R2 | — | — | — | $490K | 0.8% | |
| FLEXPATH+AGR RET R2 GREAT GRAY TRUST COMPANY · EIN 47-2836296 / PN 225 | Common Collective Trust | — | — | $490K | 0.8% | |
| Hartford Mutual Funds Strategic Income R6 | — | — | — | $448K | 0.7% | |
| FLEXPATH+AGR 2035 R2 GREAT GRAY TRUST COMPANY · EIN 47-2987118 / PN 231 | Common Collective Trust | — | — | $442K | 0.7% | |
| PIMCO Real Return Fund Institutional Class | — | — | — | $401K | 0.6% | |
| SMALL CAP GR II R1 GREAT GRAY TRUST COMPANY · EIN 38-4126288 / PN 592 | Common Collective Trust | — | — | $328K | 0.5% | |
| Fidelity Investments Real Estate Investment Portfolio | — | — | — | $315K | 0.5% | |
| Fidelity Investments Government Money Market Fund | — | — | — | $302K | 0.5% | |
| Participant Loans Interest rates at 4.25% to 9.50%; maturities 1 to 5 years -0- | — | — | — | $255K | 0.4% | |
| FLEXPATH+MOD 2055 R2 GREAT GRAY TRUST COMPANY · EIN 47-3188067 / PN 238 | Common Collective Trust | — | — | $240K | 0.4% | |
| Allspring Global Investments Precious Metals Fund Institutional Class | — | — | — | $223K | 0.4% | |
| FLEXPATH+CON 2035 R2 GREAT GRAY TRUST COMPANY · EIN 47-3018134 / PN 233 | Common Collective Trust | — | — | $220K | 0.4% | |
| PIMCO CommodityRealReturn Strategy Fund Institutional Class | — | — | — | $185K | 0.3% | |
| American Century Investments Mid Cap Value Fund R6 Class | — | — | — | $151K | 0.2% | |
| PGIM Jennison Natural Resources R6 | — | — | — | $81K | 0.1% | |
| Goldman Sachs Small Cap Value Insights Fund Class A | — | — | — | $72K | 0.1% | |
| Fidelity Investments Convertible Securities Fund | — | — | — | $69K | 0.1% | |
| FLEXPATH+CON 2045 R2 GREAT GRAY TRUST COMPANY · EIN 47-3144367 / PN 236 | Common Collective Trust | — | — | $57K | <0.1% | |
| Wilmington Funds flexPATH Index+ Conservative Retirement Fund R2 | — | — | — | $29K | <0.1% | |
| FLEXPATH+CON RET R2 GREAT GRAY TRUST COMPANY · EIN 47-2916729 / PN 227 | Common Collective Trust | — | — | $29K | <0.1% | |
| FLEXPATH+CON 2055 R2 GREAT GRAY TRUST COMPANY · EIN 47-3216409 / PN 239 | Common Collective Trust | — | — | $26K | <0.1% | |
| PGIM Global Total Return Fund Class Z | — | — | — | $6K | <0.1% | |
| FLEXPATH+MOD 2025 R2 GREAT GRAY TRUST COMPANY · EIN 47-2950747 / PN 229 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH+CON 2025 R2 GREAT GRAY TRUST COMPANY · EIN 47-2961375 / PN 230 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH+AGR 2025 R2 GREAT GRAY TRUST COMPANY · EIN 47-2935740 / PN 228 | Common Collective Trust | — | — | $0 | <0.1% |
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