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Original filing (PDF)20251015130826NAL0006351936001
CAREER CERTIFIED
Form 5500
FILING_RECEIVED
CAREER CERTIFIED 401(K) PLAN
401(k) retirement plan
Signals · 2
43% in single holding~77 bps in Sched C fees
Active participants
39
Accounts w/ balance
111
Plan assets (EOY)
$6.2M
Net assets (EOY)
$6.2M
How this plan invests
This plan
39 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
79
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Blackrock 80/20 Target Allocation Inst" is 43% of plan.
- 77 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CAREER CERTIFIED.
Plan sponsor
Name
CAREER CERTIFIED
EIN
85-4166844
Address
5670 GREENWOOD PLAZA BLVD., · SUITE 340 · GREENWOOD VILLAGE, CO · 80111
Phone
(888) 827-0777
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
2025-10-15
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
WATSON COON RYAN, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WELLS FARGO CLEARING SERVICES, LLC | 34-1542819 | — | NONE | $28K | — |
| NATIONWIDE | — | — | NONE | $16K | — |
| IRON FIDUCIARY | 99-9552241 | — | NONE | $3K | — |
| NATIONWIDE LIFE INSURANCE COMPANY | 31-4156830 | — | NONE | $554 | — |
| NATIONWIDE RETIREMENT PLANS | — | — | NONE | $201 | — |
Investments
39 direct securities· $6.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Blackrock 80/20 Target Allocation Inst | — | — | — | $2.7M | 42.9% | |
| Nuveen Lifecycle Index Retirement Income Fund ** 79 State Street Balanced Index Fund | — | — | — | $1.5M | 24.4% | |
| Putnam Large Cap Growth Y | — | — | — | $268K | 4.3% | |
| Fidelity 500 Index | — | — | — | $263K | 4.2% | |
| Vanguard Wellesley Income Admiral | — | — | — | $235K | 3.8% | |
| Principal Mid Cap R6 | — | — | — | $168K | 2.7% | |
| Vanguard Windsor Admiral | — | — | — | $141K | 2.3% | |
| Nationwide Geneva Small Cap Growth Inst Svc | — | — | — | $120K | 1.9% | |
| Impax Sustainable Alloc Inst ** 7 JP Morgan Large Cap Growth R6 | — | — | — | $115K | 1.9% | |
| Vanguard Total Stock Market Index Fund | — | — | — | $93K | 1.5% | |
| Nationwide Destination 2030 R6 | — | — | — | $92K | 1.5% | |
| Fidelity Total Market Index | — | — | — | $60K | 1.0% | |
| Various maturity dates between one and five years. * Notes receivable from participants Interest 6.75% - 10.50% | — | — | — | $55K | 0.9% | |
| Nationwide S&P 500 Index R6 | — | — | — | $43K | 0.7% | |
| DFA International Large Cap Growth | — | — | — | $41K | 0.7% | |
| Victory Sycamore Established Value I | — | — | — | $37K | 0.6% | |
| Nuveen Lifecycle 2030 Inst | — | — | — | $35K | 0.6% | |
| American Funds New World R6 | — | — | — | $33K | 0.5% | |
| Blackrock Stategic Income Opportunity I | — | — | — | $33K | 0.5% | |
| Nuveen Lifecycle 2045 Inst ** 79 Nuveen Lifecycle 2050 Inst | — | — | — | $22K | 0.4% | |
| Fidelity US Bond Index | — | — | — | $21K | 0.3% | |
| Baird Core Plus Bond Inst | — | — | — | $16K | 0.3% | |
| Nationwide Fixed Select | — | — | — | $16K | 0.3% | |
| Federated Hermes Government Obligations Premier ** 9 Federated Hermes Inst High Yield Bond | — | — | — | $16K | 0.3% | |
| Fidelity Inflation Protected Bond Index | — | — | — | $13K | 0.2% | |
| Calvert International Equity Fund ** 804 Cohen & Steers Real Estate Securities Inst | — | — | — | $11K | 0.2% | |
| Vanguard Target Retirement 2045 | — | — | — | $11K | 0.2% | |
| Brown Advisory Sustainable Growth Fund | — | — | — | $10K | 0.2% | |
| Blackrock Health Science Opportunity Inst | — | — | — | $10K | 0.2% | |
| Artisan International Val Inst | — | — | — | $9K | 0.1% | |
| Nuveen Lifecycle 2040 Inst | — | — | — | $6K | <0.1% | |
| Vanguard 500 Index Fund Admiral | — | — | — | $5K | <0.1% | |
| Franklin Dynatech Adv | — | — | — | $5K | <0.1% | |
| Neuberger Berman Large Cap Growth Y | — | — | — | $4K | <0.1% | |
| Nuveen Lifecycle 2010 Inst ** 79 Nuveen Lifecycle 2025 Inst | — | — | — | $4K | <0.1% | |
| Nuveen Lifecycle 2055 Inst ** 22 Nuveen Lifecycle 2060 Inst ** 22 Nuveen Lifecycle 2065 Inst | — | — | — | $3K | <0.1% | |
| PIMCO International Bond | — | — | — | $3K | <0.1% | |
| Vanguard Total Intl Stock Index Admiral | — | — | — | $2K | <0.1% | |
| Vanguard Total Intl Bond Index Admiral | — | — | — | $2K | <0.1% |