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Original filing (PDF)20260109163724NAL0010338177001
IN S.T.E.P.P.S., INC.
Form 5500
FILING_RECEIVED
IN STEPPS 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 1.8 mo53% in single holding
Active participants
66
Accounts w/ balance
133
Plan assets (EOY)
$2.9M
Net assets (EOY)
$2.9M
How this plan invests
This plan
1 pooled trust
Schedule D
13 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
93
Concentration risk
75
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Filed 1.8 months past the 10.5-month grace window.
- Top holding "INDEXSELECT MODERATE 2055 FUND CL I Registered Investment Company" is 53% of plan.
Helping the score
- Below-peer total fees (8 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for IN S.T.E.P.P.S., INC..
Plan sponsor
Name
IN S.T.E.P.P.S., INC.
EIN
80-0582908
Address
3652 MICHELSON DR · IRVINE, CA · 92612
Phone
(949) 474-1493
Industry
Educational 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
2026-01-09
Pension benefit codes
2A · Age/service weighted or new comparability
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
LEE CPA AUDIT GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $970 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS HOLDINGS INC DBA FUTUREPLA | — | SAN DIEGO, CA | CONTRACT ADMIN | $1K | — |
Investments
13 direct securities · 1 pooled fund· $5.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$2.9M
13 holdings
Pooled Separate Account
$2.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT SCAI MASSMUTUAL LIFE INSURANCE CO. · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $2.8M | 99.1% | |
| INDEXSELECT MODERATE 2055 FUND CL I Registered Investment Company | — | — | — | $1.5M | 53.0% | |
| INDEXSELECT MODERATE 2045 FUND CL I Registered Investment Company | — | — | — | $652K | 22.8% | |
| INDEXSELECT MODERATE 2035 FUND CL I Registered Investment Company | — | — | — | $486K | 17.0% | |
| INDEXSELECT CONSERVATIVE 2055 FUND CL I Registered Investment Company ** 219 INDEXSELECT CONSERVATIVE RET FUND CL I Registered Investment Company | — | — | — | $117K | 4.1% | |
| VANGUARD SMALL CAP INDEX ADM Registered Investment Company | — | — | — | $38K | 1.3% | |
| MASSMUTUAL BLUE CHIP GROWTH I Registered Investment Company | — | — | — | $13K | 0.5% | |
| Fixed Annuities * General Account Fixed Annuity ** $ | — | — | — | $13K | 0.4% | |
| Participant Loans Interest rates at (9.75%) $0 | — | — | — | $12K | 0.4% | |
| Registered Investment Companies AMERICAN FUNDS AMERICAN MUTUAL R6 Registered Investment Company | — | — | — | $6K | 0.2% | |
| INDEXSELECT MODERATE RETIRE FUND CL I Registered Investment Company | — | — | — | $4K | 0.1% | |
| VANGUARD MID CAP INDEX ADMIRAL Registered Investment Company | — | — | — | $1K | <0.1% | |
| MASSMUTUAL CORE BOND I Registered Investment Company ** 284 MASSMUTUAL MID CAP GROWTH I Registered Investment Company ** 405 MASSMUTUAL SMALL CAP OPPS I Registered Investment Company ** 324 VANGUARD 500 INDEX ADMIRAL Registered Investment Company | — | — | — | $1K | <0.1% | |
| BLACKROCK INFLATION PROTECTED BOND K Registered Investment Company ** 348 FRANKLIN SMALL CAP VALUE R6 Registered Investment Company ** 355 INDEXSELECT CONSERVATIVE 2045 FUND CL I Registered Investment Company | — | — | — | $1K | <0.1% |
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