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Original filing (PDF)20251015172609NAL0006912432001
EMPATH-STRATUM, INC.
Form 5500
FILING_RECEIVED
EMPATH HEALTH 403(B) PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
2,674
Accounts w/ balance
3,534
Plan assets (EOY)
$145.4M
Net assets (EOY)
$145.4M
How this plan invests
This plan
1 pooled trust
Schedule D
83 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 28 bps in Schedule C fees — 182% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EMPATH-STRATUM, INC..
Plan sponsor
Name
EMPATH-STRATUM, INC.
EIN
85-1356625
Address
6310 CAPITAL DRIVE · LAKEWOOD RANCH, FL · 34202
Phone
(941) 552-7516
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
2025-10-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
2S · Automatic enrollment
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KERKERING BARBERIO AND COMPANY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LINCOLN NATIONAL CORPORATION | 35-0472300 | — | SERVICE PROVIDER | $328K | — |
| SAGEVIEW ADVISORY GROUP | 33-0818667 | IRVINE, CA | SERVICE PROVIDER | $75K | — |
| THE VARIABLE ANNUITY LIFE INSURANCE | 74-1625348 | — | SERVICE PROVIDER | $6K | — |
Investments
83 direct securities · 1 pooled fund· $145.5M(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
$142.0M
80 holdings
Mutual Funds
$3.4M
3 holdings
Pooled Separate Account
$58K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds EuroPacific Gr R6 404,758 | — | — | — | $21.7M | 15.0% | |
| Fully Benefit-Responsive Investment Contracts, at contract value * Lincoln Stable Fund *** 17,302,617 | — | — | — | $21.3M | 14.6% | |
| Fidelity 500 Index 98,459 | — | — | — | $20.1M | 13.8% | |
| Baird Core Plus Bond Class Institutional 1,618,388 | — | — | — | $16.2M | 11.1% | |
| American Funds The Growth of America Class R6 164,974 | — | — | — | $12.3M | 8.5% | |
| Vanguard Equity Income Admiral Shares 130,328 | — | — | — | $11.5M | 7.9% | |
| Cohen and Steers Real Estate Securities Inc Class Z 380,680 | — | — | — | $6.6M | 4.5% | |
| Fidelity Mid Cap Index 104,778 | — | — | — | $3.5M | 2.4% | |
| Blackrock Inflation Protected Bond 365,370 | — | — | — | $3.5M | 2.4% | |
| Fixed Account Plus 3,406,264 | — | — | — | $3.4M | 2.3% | |
| American Century Mid Cap Value R6 Class 209,672 | Mutual Funds | — | — | $3.3M | 2.2% | |
| Victory Sycamore Small Company Opportunity R6 62,646 | — | — | — | $2.9M | 2.0% | |
| Pioneer Strategic Income Class K 300,103 | — | — | — | $2.8M | 1.9% | |
| Carillon Eagle Mid Cap Growht Class R6 35,816 | — | — | — | $2.8M | 1.9% | |
| Clearbridge Small Cap Growth Class IS 51,369 | — | — | — | $2.0M | 1.4% | |
| Participant Loans Participant Loans 2.50% - 10.50% | — | — | — | $1.8M | 1.2% | |
| Fidelity Small Cap Index 59,597 | — | — | — | $1.6M | 1.1% | |
| Moderate Growth Lifestyle 169,893 | — | — | — | $881K | 0.6% | |
| Stock Index Fund 25,822 | — | — | — | $717K | 0.5% | |
| Aggressive Growth Lifestyle 121,094 | — | — | — | $677K | 0.5% | |
| Short Term Fixed Account 522,953 | — | — | — | $523K | 0.4% | |
| T Rowe Price Retirmnt 2035 Adv 163,444 | — | — | — | $321K | 0.2% | |
| Intl Socially Responsible Fund 24,920 | — | — | — | $250K | 0.2% | |
| T Rowe Price Retirmnt 2025 Adv 140,678 | — | — | — | $247K | 0.2% | |
| Growth Fund 40,537 | — | — | — | $243K | 0.2% | |
| Mid Cap Index Fund 5,393 | — | — | — | $237K | 0.2% | |
| T Rowe Price Retirmnt 2045 Adv 100,865 | — | — | — | $213K | 0.1% | |
| Small Cap Index Fund 16,208 | — | — | — | $195K | 0.1% | |
| T Rowe Price Retirmnt 2040 Adv 90,192 | — | — | — | $185K | 0.1% | |
| Core Bond Fund 82,443 | — | — | — | $184K | 0.1% | |
| Mid Cap Strategic Gwth 29,000 | — | — | — | $168K | 0.1% | |
| Principal Guaranteed Option*** 159,484 | — | — | — | $159K | 0.1% | |
| Global Strategy 57,844 | — | — | — | $145K | <0.1% | |
| Systematic Value 39,488 | — | — | — | $144K | <0.1% | |
| Nasdaq-100(R) Index Fund 25,170 | — | — | — | $143K | <0.1% | |
| International Government Bond 12 ** 36 Vanguard Lifestrategy Growth 31,264 | — | — | — | $134K | <0.1% | |
| Ariel Fund 19,222 | — | — | — | $124K | <0.1% | |
| T Rowe Price Retirmnt 2030 Adv 65,715 | — | — | — | $122K | <0.1% | |
| Mid Cap Value Fund 10,465 | — | — | — | $120K | <0.1% | |
| Vanguard Wellington Fund Inc 14,484 | — | — | — | $119K | <0.1% | |
| Science & Technology Fund 5,325 | — | — | — | $113K | <0.1% | |
| Vanguard Windsor II 11,989 | — | — | — | $111K | <0.1% | |
| T Rowe Price Retirmnt 2020 Adv 66,312 | — | — | — | $110K | <0.1% | |
| T Rowe Price Retirmnt 2050 Adv 41,083 | — | — | — | $87K | <0.1% | |
| s (continued) Vanguard Lifestrategy Moderate 23,777 | Mutual Funds | — | — | $87K | <0.1% | |
| Internatl Equities Index Fund 29,551 | — | — | — | $84K | <0.1% | |
| Emerging Economies 67,355 | — | — | — | $81K | <0.1% | |
| US Socially Responsible Fund 11,218 | — | — | — | $80K | <0.1% | |
| International Growth Fund 15,537 | — | — | — | $78K | <0.1% | |
| Systematic Growth Fund 12,302 | — | — | — | $75K | <0.1% | |
| Large Capital Growth 12,158 | — | — | — | $66K | <0.1% | |
| Vanguard Long-Term Treasury 20,520 | — | — | — | $62K | <0.1% | |
| VARIABLE ANNUITY ACCOUNT C VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $58K | <0.1% | |
| Vanguard Treasury Money Market Fund | — | — | $57K | $57K | <0.1% | |
| T Rowe Price Retirmnt 2060 Adv 24,158 | — | — | — | $51K | <0.1% | |
| Costs are omitted for participant directed investments. | — | — | — | $51K | <0.1% | |
| VC I Conserv Growth Lifestyle 11,476 | — | — | — | $46K | <0.1% | |
| Inflation Protected Fund 30,697 | — | — | — | $46K | <0.1% | |
| Gs Vit Gov Money Mkt Fd Inst 18,626 | — | — | — | $43K | <0.1% | |
| T Rowe Price Retirmnt 2055 Adv 18,692 | — | — | — | $40K | <0.1% | |
| s (continued) * Global Real Estate Fund 24,483 | Mutual Funds | — | — | $40K | <0.1% | |
| Small Cap Special Value Fund 11,977 | — | — | — | $39K | <0.1% | |
| Amer Beacon Brdwy Lrg Cp Grw I 14,655 | — | — | — | $34K | <0.1% | |
| Invesco Bal Risk Commod Str R5 37,330 | — | — | — | $31K | <0.1% | |
| Systematic Core Fund 2,740 | — | — | — | $28K | <0.1% | |
| Small Cap Growth Fund 3,953 | — | — | — | $25K | <0.1% | |
| VY CBRE Glb RlEst Prt Ins 6 ** 104 Fidelity VIP Growth Port l 163 | — | — | — | $21K | <0.1% | |
| High Yield Bond Fund 4,059 | — | — | — | $15K | <0.1% | |
| VC I Capital Appreciation 2,234 | — | — | — | $14K | <0.1% | |
| Vanguard Lt Inv-Grade Fund 3,429 | — | — | — | $12K | <0.1% | |
| VY TRwPr Divr MdCp Gr Pt l 7 ** 440 * VY Invesco Eqty & Inc Pt l 360 | — | — | — | $12K | <0.1% | |
| Asset Allocation Fund 1 ** 6 * Government Securities Fund 2,861 | — | — | — | $11K | <0.1% | |
| Intl Opportunities 2,953 | — | — | — | $10K | <0.1% | |
| Ariel Appreciation Fund 1,396 | — | — | — | $8K | <0.1% | |
| International Value Fund 3,700 | — | — | — | $6K | <0.1% | |
| Voya Intermediate Bond Prt l 1 ** 20 * Voya Index Plus LargeCap Prt l 10 ** 942 * Inv Dev Mrkts Fd A 3 ** 207 Allspg Spec SmCp V1 Fd A 5 ** 344 * Voya Glob Insights Port Init 147 | — | — | — | $6K | <0.1% | |
| Invesco VI Core Eqty Fund SI 22 ** 740 * Voya Large Cap Value Port Ins 180 | — | — | — | $5K | <0.1% | |
| VY TRwPr Grw Eqty Pt l 3 ** 375 Fidelity VIP Contrafund Pt l 2 ** 296 Voya Balanced Income Port Ins 483 | — | — | — | $5K | <0.1% | |
| Vanguard Lifestrategy Conservative 1,669 | — | — | — | $5K | <0.1% | |
| T Rowe Price Retirmnt 2015 Adv 2,850 | — | — | — | $5K | <0.1% | |
| American Funds Growth Fnd R4 4 ** 285 * Voya Index Plus MidCap Prt l 53 | — | — | — | $4K | <0.1% | |
| Small Cap Value Fund 339 | — | — | — | $2K | <0.1% | |
| Dividend Value 350 | — | — | — | $2K | <0.1% | |
| Lord Abbett Srs Fd MC St Pt VC 32 | — | — | — | $1K | <0.1% |