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Original filing (PDF)20250709105337NAL0004700897002
GRACENT, LLC
Form 5500
FILING_RECEIVED
GRACENT, LLC 401(K) PLAN
401(k) retirement plan
Signals · 3
34% in single holding~78 bps in Sched C feesNo recordkeeper disclosed
Active participants
361
Accounts w/ balance
175
Plan assets (EOY)
$4.5M
Net assets (EOY)
$4.5M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
83
Total plan cost
80
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "JanusHenderson Bal N Fund Mutual Fund ** 163 * Fidelity 500 Index Fund Mutual Fund" is 34% of plan.
- 78 bps in Schedule C fees — modestly above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 48% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRACENT, LLC.
Plan sponsor
Name
GRACENT, LLC
EIN
87-2977387
Address
950 LEE STREET · DES PLAINES, IL · 60016
Phone
(224) 335-7713
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
2025-07-09
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)
3H · Sponsor in controlled / affiliated group
2A · Age/service weighted or new comparability
Audit & trust (Schedule H)
Auditor
PRICE KUBECKA, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GENEOS WEALTH MANAGEMENT INC | 02-0580939 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $35K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
29 direct securities· $4.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JanusHenderson Bal N Fund Mutual Fund ** 163 * Fidelity 500 Index Fund Mutual Fund | — | — | — | $1.5M | 34.1% | |
| Principal Guaranteed option. Guaranteed Investment Contract | — | — | — | $633K | 14.1% | |
| Fidelity International Idx Fd Mutual Fund | — | — | — | $474K | 10.5% | |
| Hartford Strat Income R6 Fund Mutual Fund | — | — | — | $290K | 6.4% | |
| AM Fds Bd Fd of AM R6 Fd Mutual Fund | — | — | — | $285K | 6.3% | |
| Hartford Dvdnd and Grwth R6 Fd Mutual Fund | — | — | — | $135K | 3.0% | |
| Neub Berm Lg Cp Val R6 Fd Mutual Fund | — | — | — | $133K | 3.0% | |
| JP Morgan Grw Advantage R6 Fd Mutual Fund | — | — | — | $129K | 2.9% | |
| JP Morgan Large Cap Gr R6 Fd Mutual Fund | — | — | — | $127K | 2.8% | |
| AM Fds 2060 Trgt Dte Rtm R6 Fd Mutual Fund | — | — | — | $122K | 2.7% | |
| Columbia Sel MidCp Value I3 Fd Mutual Fund ** 245 * Fidelity Mid Cp Index Fund Mutual Fund | — | — | — | $83K | 1.9% | |
| Fidelity Sm Cap Index Fund Mutual Fund | — | — | — | $83K | 1.8% | |
| AM Fds 2045 Trgt Dte Rtm R6 Fd Mutual Fund | — | — | — | $74K | 1.6% | |
| Amer Century Sml Cap Val R6 Fd Mutual Fund | — | — | — | $72K | 1.6% | |
| Legg Mason ClrBrige Slct IS Fd Mutual Fund ** 619 * MFS Mid Cap Value R6 Fund Mutual Fund | — | — | — | $70K | 1.6% | |
| Artisan Mid Cap Instl Fund Mutual Fund | — | — | — | $48K | 1.1% | |
| Putnam Sm Cap Growth R6 Fund Mutual Fund | — | — | — | $46K | 1.0% | |
| Putnam Global Tech R6 Fund Mutual Fund ** 471 * T. Rowe Price Hlth Sci I Fd Mutual Fund | — | — | — | $32K | 0.7% | |
| Late/Missed Year Contributions Loan Repayments Total 2023 24,615 $ 139 $ | — | — | — | $25K | 0.5% | |
| AM Fds 2065 Trgt Dte Rtm R6 Fd Mutual Fund | — | — | — | $24K | 0.5% | |
| Neub Berman Real Estate R6 Fd Mutual Fund | — | — | — | $22K | 0.5% | |
| Schwab Fdm Intl Equity Idx Fd Mutual Fund | — | — | — | $18K | 0.4% | |
| Fidelity Adv Fc Emerg Mrkts Z Mutual Fund | — | — | — | $12K | 0.3% | |
| Goldman Sachs Grwth Strat R6 Mutual Fund | — | — | — | $11K | 0.2% | |
| Notes receivable from participants Bearing interest at 10.00%-10.25% - | — | — | — | $5K | 0.1% | |
| AM Fds 2055 Trgt Dte Rtm R6 Fd Mutual Fund | — | — | — | $3K | <0.1% | |
| Allspring Core Plus Bond R6 Mutual Fund ** 473 * AM Fds AM Hi-Inc Trust R6 Fund Mutual Fund | — | — | — | $3K | <0.1% | |
| AM Fds 2050 Trgt Dte Rtm R6 Fd Mutual Fund | — | — | — | $2K | <0.1% | |
| PIMCO RAE US Sml Instl Fd Mutual Fund | — | — | — | $1K | <0.1% |