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Original filing (PDF)20250929183759NAL0011637841001
RURAL ALASKA COMMUNITY ACTION PROGRAM, INC.
Form 5500
FILING_RECEIVED
RURAL ALASKA COMMUNITY ACTION PROGRAM, INC. RETIREMENT PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
363
Accounts w/ balance
450
Plan assets (EOY)
$16.3M
Net assets (EOY)
$16.3M
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)
87
/ 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
85
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 49 bps in Schedule C fees — 70% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RURAL ALASKA COMMUNITY ACTION PROGRAM, INC..
Plan sponsor
Name
RURAL ALASKA COMMUNITY ACTION PROGRAM, INC.
EIN
92-0033876
Address
731 EAST 8TH AVENUE · ANCHORAGE, AK · 99501
Phone
(907) 279-2511
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
2025-09-29
Pension benefit codes
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
Audit & trust (Schedule H)
Auditor
BAKER TILLY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $39K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI ADVISORS, INC. | 06-1397347 | — | INVESTMENT ADVISOR | $33K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $9K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
29 direct securities· $16.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity FID FDM IDX 2040 IPR | — | — | — | $2.5M | 15.3% | |
| Fidelity FID FDM IDX 2035 IPR | — | — | — | $2.1M | 13.1% | |
| Fidelity FID FDM IDX 2030 IPR | — | — | — | $1.9M | 11.8% | |
| Fidelity FID FDM IDX 2025 IPR | — | — | — | $1.9M | 11.5% | |
| Fidelity FID FDM IDX 2045 IPR | — | — | — | $1.4M | 8.8% | |
| Fidelity FID FDM IDX 2020 IPR | — | — | — | $1.3M | 8.3% | |
| Fidelity FID FDM IDX 2050 IPR | — | — | — | $1.1M | 7.0% | |
| Fidelity FID LG CAP GR IDX | — | — | — | $506K | 3.1% | |
| Fidelity FID FDM IDX 2015 IPR | — | — | — | $458K | 2.8% | |
| Fidelity FID FDM IDX 2055 IPR | — | — | — | $437K | 2.7% | |
| Fidelity FID 500 INDEX | — | — | — | $399K | 2.5% | |
| Fidelity FID US BOND IDX | — | — | — | $348K | 2.1% | |
| Fidelity FID FDM IDX 2060 IPR | — | — | — | $314K | 1.9% | |
| Fidelity FID GLB EX US IDX | — | — | — | $250K | 1.5% | |
| through September 2029 -0- | — | — | — | $211K | 1.3% | |
| Fidelity FID LG CAP VAL IDX | — | — | — | $167K | 1.0% | |
| Fidelity FID GOVT MMKT K6 | — | — | — | $158K | 1.0% | |
| Fidelity FID FDM IDX INC IPR | — | — | — | $144K | 0.9% | |
| Fidelity FID EMRG MKTS IDX | — | — | — | $109K | 0.7% | |
| Fidelity FID MID CAP IDX | — | — | — | $104K | 0.6% | |
| Fidelity FID FDM IDX 2065 IPR | — | — | — | $89K | 0.5% | |
| Fidelity FID MID CAP GR IDX | — | — | — | $65K | 0.4% | |
| Fidelity FID FDM IDX 2010 IPR | — | — | — | $52K | 0.3% | |
| Fidelity FID SM CAP GR IDX | — | — | — | $45K | 0.3% | |
| Fidelity FID MID CAP VAL IDX | — | — | — | $29K | 0.2% | |
| Fidelity FID INFL PR BD IDX | — | — | — | $26K | 0.2% | |
| Fidelity FID SM CAP IDX | — | — | — | $15K | <0.1% | |
| Fidelity FID REAL ESTATE IDX | — | — | — | $6K | <0.1% | |
| Fidelity FID SM CAP VAL IDX | — | — | — | $3K | <0.1% |
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