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Original filing (PDF)20250930141740NAL0011778193001
V-SOFT CONSULTING GROUP
Form 5500
FILING_RECEIVED
V-SOFT CONSULTING GROUP RETIREMENT PLAN
401(k) retirement plan
Active participants
536
Accounts w/ balance
856
Plan assets (EOY)
$37.0M
Net assets (EOY)
$37.0M
How this plan invests
This plan
28 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 64 bps in Schedule C fees — 120% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for V-SOFT CONSULTING GROUP.
Plan sponsor
Name
V-SOFT CONSULTING GROUP
EIN
76-0532643
Address
2550 EASTPOINT PKWY · SUITE 300 · LOUISVILLE, KY · 40223
Phone
(502) 425-8425
Industry
Custom Computer Programming· 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
2025-09-30
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JONES, NALE & MATTINGLY, PLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AME | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $141K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CERITY PARTNERS RETIREMENT | 35-2467663 | NEW YORK, NY | INVESTMENT ADVISOR | $43K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE RETIREMENT SYSTEMS, INC. | 31-1299207 | CINCINNATI, OH | CONTRACT ADMIN | $44K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AGRI INVESTMENT SERVICES, LLC | 27-1003080 | LOUISVILLE, KY | OTHER | $8K | — |
Investments
28 direct securities· $37.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2045 Inv Mutual Fund | — | — | — | $6.6M | 17.8% | |
| Vanguard Target Retirement 2050 Inv Mutual Fund | — | — | — | $6.5M | 17.5% | |
| Vanguard Target Retirement 2040 Inv Mutual Fund | — | — | — | $4.8M | 13.0% | |
| Nuveen Large Cap Growth Index R6 Mutual Fund | — | — | — | $2.6M | 7.0% | |
| Vanguard Target Retirement 2055 Inv Mutual Fund | — | — | — | $2.3M | 6.3% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $2.1M | 5.8% | |
| Vanguard Target Retirement 2035 Inv Mutual Fund | — | — | — | $2.1M | 5.7% | |
| Vanguard Target Retirement 2030 Inv Mutual Fund | — | — | — | $1.6M | 4.4% | |
| Outstanding Loan Balance Participant Loans*** - 0 - | — | — | — | $1.2M | 3.2% | |
| Nuveen Large Cap Value Index R6 Mutual Fund | — | — | — | $993K | 2.7% | |
| Empower Select Guaranteed Fund Insurance General Account | — | — | — | $859K | 2.3% | |
| American Funds New Perspective R6 Mutual Fund | — | — | — | $776K | 2.1% | |
| Vanguard Target Retirement 2025 Inv Mutual Fund | — | — | — | $616K | 1.7% | |
| Vanguard Mid-Cap Growth Index Admiral Mutual Fund | — | — | — | $611K | 1.7% | |
| Vanguard Target Retirement 2060 Inv Mutual Fund | — | — | — | $595K | 1.6% | |
| Vanguard Small Cap Index Adm Mutual Fund | — | — | — | $566K | 1.5% | |
| Vanguard Mid Cap Index Fund Admiral Mutual Fund | — | — | — | $389K | 1.1% | |
| Vanguard Real Estate Index Admiral Mutual Fund | — | — | — | $322K | 0.9% | |
| Vanguard Total Bond Market Index Admiral Mutual Fund | — | — | — | $258K | 0.7% | |
| Vanguard High-Yield Corporate Adm Mutual Fund | — | — | — | $243K | 0.7% | |
| Vanguard Target Retirement Income Inv Mutual Fund | — | — | — | $222K | 0.6% | |
| Vanguard Small Cap Value Index Admiral Mutual Fund | — | — | — | $197K | 0.5% | |
| Vanguard Target Retirement 2020 Inv Mutual Fund | — | — | — | $156K | 0.4% | |
| Vanguard Target Retirement 2065 Inv Mutual Fund | — | — | — | $149K | 0.4% | |
| Vanguard Developed Markets Index Admiral Mutual Fund | — | — | — | $132K | 0.4% | |
| Dfa Inflation-Protected Securities I Mutual Fund | — | — | — | $69K | 0.2% | |
| Vanguard Emerging Mkts Stock Idx Adm Mutual Fund | — | — | — | $57K | 0.2% | |
| Dfa Intermediate Govt Fixed-Income I Mutual Fund | — | — | — | $7K | <0.1% |
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