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Original filing (PDF)20251009100702NAL0006806097001
FIRST STEP, INC.
Form 5500
FILING_RECEIVED
FIRST STEP 401(K) RETIREMENT SAVINGS PLAN & TRUST
401(k) retirement plan
Active participants
563
Accounts w/ balance
392
Plan assets (EOY)
$14.2M
Net assets (EOY)
$14.2M
How this plan invests
This plan
10 pooled trusts
Schedule D
22 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
100
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- 75 bps in Schedule C fees — 157% above peer band of 29 bps.
- 70% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST STEP, INC..
Plan sponsor
Name
FIRST STEP, INC.
EIN
71-0307372
Address
407 CARSON STREET · HOT SPRINGS, AR · 71914
Phone
(501) 620-5588
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
2025-10-09
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)
Audit & trust (Schedule H)
Auditor
ATA, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $87K | — |
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $8K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRIME CAPITAL INVESTMENT ADVISORS L | — | OVERLAND PARK, KS | INVESTMENT ADVISOR | $11K | — |
Investments
18 direct securities · 10 pooled funds· $14.2M(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
$10.4M
17 holdings
Pooled Separate Account
$2.2M
2 holdings
Common Collective Trust
$890K
8 holdings
Mutual Funds
$693K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Unallocated insurance contract Empower EI Fixed Account - Series Class II | — | — | — | $2.6M | 18.4% | |
| Fidelity Management Trust Co. 500 Index | — | — | — | $1.9M | 13.7% | |
| CORE PLUS BOND / PGIM FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 299 | Pooled Separate Account | — | — | $1.7M | 12.0% | |
| Blackrock Ishares Msci Eafe International Index K | — | — | — | $1.5M | 10.3% | |
| PUTNAM LARGE CAP VALUE TRUST II CLA GREAT GRAY · EIN 86-1899009 / PN 676 | Common Collective Trust | — | — | $888K | 6.3% | |
| Fidelity Management Trust Co. Freedom Index 2050 Instl Prem | — | — | — | $770K | 5.4% | |
| Blackrock Strategic Global Bond K | — | — | — | $729K | 5.1% | |
| s * Fidelity Management Trust Co. Mid Cap Index | Mutual Funds | — | — | $693K | 4.9% | |
| LARGE CAP GROWTH / JP MORGAN INVST EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $524K | 3.7% | |
| HFR Holdings Janus Henderson Global Equity Income N | — | — | — | $516K | 3.6% | |
| Participant loans Notes receivable from participants (4.00%) | — | — | — | $398K | 2.8% | |
| MFS International Growth R6 | — | — | — | $362K | 2.6% | |
| Fidelity Management Trust Co. Freedom Index 2055 Instl Prem | — | — | — | $319K | 2.3% | |
| Fidelity Management Trust Co. Small Cap Index | — | — | — | $285K | 2.0% | |
| Fidelity Management Trust Co. Freedom Index 2025 Instl Prem 70 * Fidelity Management Trust Co. Freedom Index 2035 Instl Prem 70 * Fidelity Management Trust Co. Freedom Index 2045 Instl Prem | — | — | — | $263K | 1.9% | |
| MFS Mid Cap Value R6 | — | — | — | $211K | 1.5% | |
| J.P. Morgan Mid Cap Growth R6 | — | — | — | $153K | 1.1% | |
| Invesco Small Cap Value R6 | — | — | — | $153K | 1.1% | |
| Fidelity Management Trust Co. Freedom Index 2060 Instl Prem | — | — | — | $93K | 0.7% | |
| American Century Small Cap Growth R6 | — | — | — | $64K | 0.4% | |
| Fidelity Management Trust Co. Freedom Index 2065 Instl Prem | — | — | — | $40K | 0.3% | |
| FIDELITY MANAGED INCOME PORTFOLIO F FIDELITY COMMINGLED POOL · EIN 90-0337987 / PN 001 | Common Collective Trust | — | — | $1K | <0.1% | |
| FIT CONSERVATIVE B COMERICA BANK & TRUST · EIN 47-6658632 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIT BALANCED B COMERICA BANK & TRUST · EIN 47-6652256 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIT AGGRESSIVE B COMERICA BANK & TRUST · EIN 47-6646422 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIT MOD CONSRV B COMERICA BANK & TRUST · EIN 47-6655437 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| MIP CL 1 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 024 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIT GROWTH B COMERICA BANK & TRUST · EIN 47-6649174 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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