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Original filing (PDF)20251009111755NAL0003519443002
STEPHEN JOSEPH, INC.
Form 5500
FILING_RECEIVED
STEPHEN JOSEPH, INC. 401(K) PLAN
401(k) retirement plan
Active participants
79
Accounts w/ balance
86
Plan assets (EOY)
$2.1M
Net assets (EOY)
$2.1M
How this plan invests
This plan
3 pooled trusts
Schedule D
14 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (1 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for STEPHEN JOSEPH, INC..
Plan sponsor
Name
STEPHEN JOSEPH, INC.
EIN
75-2146463
Address
4302 IRONTON AVENUE · LUBBOCK, TX · 79407
Phone
(806) 791-2877
Industry
Retail Tradesee 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
2025-10-09
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
RBMS, LLP
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 | $183 | — |
Investments
12 direct securities · 3 pooled funds· $2.3M(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
$2.0M
12 holdings
Pooled Separate Account
$343K
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Fixed Income Guaranteed Option [1] | — | — | — | $491K | 23.7% | |
| Fidelity US Bond Index Fund [1] | — | — | — | $222K | 10.7% | |
| Principal Core Fixed Income Z Fund [1] | — | — | — | $222K | 10.7% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $222K | 10.7% | |
| Putnam Large Cap Value R6 Fund [1] | — | — | — | $196K | 9.4% | |
| Fidelity International Index Fund [1] | — | — | — | $195K | 9.4% | |
| Fidelity Blue Chip Growth K Fund [1] | — | — | — | $173K | 8.4% | |
| PIMCO RAE Fundamental Emerging Markets Institutional Fund [1] | — | — | — | $107K | 5.1% | |
| Fidelity 500 Index Fund [1] | — | — | — | $104K | 5.0% | |
| Fidelity Small Cap Advisor Value Z Fund [1] | — | — | — | $80K | 3.9% | |
| PRIN HIGH YIELD SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 137 | Pooled Separate Account | — | — | $76K | 3.7% | |
| Fidelity Small Cap Advisor Growth Z Fund [1] | — | — | — | $62K | 3.0% | |
| Fidelity Small Cap Index Fund [1] | — | — | — | $49K | 2.4% | |
| Fidelity Mid Cap Index Fund [1] | — | — | — | $49K | 2.4% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $46K | 2.2% |
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