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Original filing (PDF)20251014114035NAL0003812464001
PF I CARRUS SERVICES, LLC
Form 5500
FILING_RECEIVED
PENN FOSTER CARRUS 401(K) PLAN
401(k) retirement plan
Active participants
773
Accounts w/ balance
878
Plan assets (EOY)
$52.1M
Net assets (EOY)
$52.1M
How this plan invests
This plan
35 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
- 27 bps in Schedule C fees — 72% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PF I CARRUS SERVICES, LLC.
Plan sponsor
Name
PF I CARRUS SERVICES, LLC
EIN
88-2146964
Address
200 HICKORY STREET · SCRANTON, PA · 18505
Phone
(570) 961-4611
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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
KRONICK KALADA BARDY & CO., P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI CONSULTING GROUP | 06-1053228 | — | RECORDKEEPER | $101K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI ADVISORS | 06-1397347 | — | ADVISORS | $42K | — |
Investments
35 direct securities· $52.1M(100% of reported assets)
Mutual Funds
$50.3M
33 holdings
Uncategorized
$1.8M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Retirement I 2040 I | Mutual Funds | — | — | $5.6M | 10.8% | |
| JP Morgan Large Cap Growth R6 | Mutual Funds | — | — | $5.0M | 9.5% | |
| T. Rowe Price Retirement I 2030 I | Mutual Funds | — | — | $4.6M | 8.8% | |
| Vanguard 500 Index Fund Adm | Mutual Funds | — | — | $4.3M | 8.2% | |
| T. Rowe Price Retirement I 2045 I | Mutual Funds | — | — | $3.9M | 7.4% | |
| T. Rowe Price Retirement I 2055 I | Mutual Funds | — | — | $3.3M | 6.3% | |
| T. Rowe Price Retirement 12050 I | Mutual Funds | — | — | $3.3M | 6.2% | |
| T. Rowe Price Retirement I 2035 I | Mutual Funds | — | — | $2.6M | 5.0% | |
| Vanguard Mid Cap Index Fund Admiral | Mutual Funds | — | — | $1.9M | 3.6% | |
| T. Rowe Price Retirement I 2020 I | Mutual Funds | — | — | $1.8M | 3.5% | |
| Vanguard Equity Income Admiral | Mutual Funds | — | — | $1.8M | 3.5% | |
| Vanguard Total Stock Market Index Fund Adm | Mutual Funds | — | — | $1.5M | 2.9% | |
| Money Market Schwab Bank Savings | — | — | — | $1.4M | 2.7% | |
| Vanguard LifeStrategy Mod Growth Fund I | Mutual Funds | — | — | $1.2M | 2.3% | |
| Vanguard Strategic Small Cap Equity | Mutual Funds | — | — | $1.2M | 2.2% | |
| T. Rowe Price Retirement 2060 I | Mutual Funds | — | — | $1.1M | 2.2% | |
| Vanguard LifeStrategy Growth Fund I | Mutual Funds | — | — | $997K | 1.9% | |
| JP Morgan US Research Enhanced Eqty | Mutual Funds | — | — | $974K | 1.9% | |
| MFS lnstl International Equity | Mutual Funds | — | — | $867K | 1.7% | |
| T. Rowe Price Retirement I 2025 I | Mutual Funds | — | — | $858K | 1.6% | |
| Vanguard Total International Stock Index Adm | Mutual Funds | — | — | $671K | 1.3% | |
| Vanguard Total Bond Market Index Ad min | Mutual Funds | — | — | $580K | 1.1% | |
| Vanguard FTSE Social Index Adm | Mutual Funds | — | — | $528K | 1.0% | |
| Dodge & Cox Global Stock Fund | Mutual Funds | — | — | $455K | 0.9% | |
| account balances are collateral | — | — | — | $435K | 0.8% | |
| T. Rowe Price Retirement 12065 I | Mutual Funds | — | — | $379K | 0.7% | |
| T. Rowe Price Retirement 2010 I | Mutual Funds | — | — | $253K | 0.5% | |
| Federated Govt Income Trust Institutional Fund | Mutual Funds | — | — | $252K | 0.5% | |
| T. Rowe Price Retirement 2015 I | Mutual Funds | — | — | $196K | 0.4% | |
| Vanguard LifeStrategy Consrv Growth Fund I | Mutual Funds | — | — | $151K | 0.3% | |
| Vanguard Small Cap I | Mutual Funds | — | — | $106K | 0.2% | |
| Vanguard LifeStrategy Income Fund I | Mutual Funds | — | — | $23K | <0.1% | |
| Delaware Emerging MKTS Fund CL R6 | Mutual Funds | — | — | $10K | <0.1% | |
| Dodge & Cox Income I | Mutual Funds | — | — | $6K | <0.1% | |
| Pimco Real Return FD INSTL | Mutual Funds | — | — | $4K | <0.1% |
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