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Original filing (PDF)20260114153308NAL0006424435001
AMERICANTCS FIDUCIARY SERVICES, LLC
Form 5500
FILING_RECEIVED
CERITY PARTNERS POOLED EMPLOYER PLAN
401(k) retirement plan
Signals · 3
Late filing · 1.9 mo~109 bps in Sched C feesNo recordkeeper disclosed
Active participants
524
Accounts w/ balance
360
Plan assets (EOY)
$3.7M
Net assets (EOY)
$3.7M
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
92
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
80
Knocking points off
- Filed 1.9 months past the 10.5-month grace window.
- 109 bps in Schedule C fees — 109% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 69% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICANTCS FIDUCIARY SERVICES, LLC.
Plan sponsor
Name
AMERICANTCS FIDUCIARY SERVICES, LLC
EIN
93-2789379
Address
1251 WATERFRONT PLACE · SUITE 525 · PITTSBURGH, PA · 15222
Phone
(877) 514-5600
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
016
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2026-01-14
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
2W · Pooled employer plan (PEP)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
TEMPLETON & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP | 47-0098400 | — | NONE | $21K | — |
| CERITY PARTNERS RETIREMENT PLAN ADV | 35-2467663 | — | NONE | $18K | — |
| CHARLES SCHWAB BANK | 82-3967259 | — | NONE | $1K | — |
Investments
29 direct securities· $3.6M(97% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard target Retirement 2050 Fund | — | — | — | $702K | 18.8% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $422K | 11.3% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $375K | 10.1% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $329K | 8.8% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $320K | 8.6% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $183K | 4.9% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $174K | 4.7% | |
| Nuveen Large Cap Growth Index Fund | — | — | — | $163K | 4.4% | |
| Vanguard 500 Index Fund | — | — | — | $154K | 4.1% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $141K | 3.8% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $102K | 2.7% | |
| Nuveen Large Cap Value Index Fund | — | — | — | $54K | 1.5% | |
| Dimensional Fund Advisors Intermediate Government Fixed Income Fund | — | — | — | $45K | 1.2% | |
| Vanguard Small-Cap Index Fund | — | — | — | $44K | 1.2% | |
| Vanguard Mid-Cap Growth Fund | — | — | — | $44K | 1.2% | |
| Vanguard Total Bond Market Index | — | — | — | $41K | 1.1% | |
| Vanguard Developed Markets Index Fund | — | — | — | $39K | 1.0% | |
| American New Perspective Fund | — | — | — | $39K | 1.0% | |
| Vanguard Small-Cap Value Fund | — | — | — | $39K | 1.0% | |
| Vanguard Real Estate Index Fund | — | — | — | $36K | 1.0% | |
| Charles Schwab Trust Bank Holding account | — | — | — | $34K | 0.9% | |
| Vanguard Mid-Cap Index Fund | — | — | — | $30K | 0.8% | |
| Dimensional Fund Advisors Inflation-Protected Sec Fund | — | — | — | $26K | 0.7% | |
| Vanguard Target Retirement Income Fund' | — | — | — | $20K | 0.5% | |
| Loans to participants, interest rates ranging from * Notes receivable from participants - | — | — | — | $19K | 0.5% | |
| Vanguard High-Yield Corporate Fund | — | — | — | $18K | 0.5% | |
| Vanguard Emerging Markets Index Fund | — | — | — | $17K | 0.5% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $6K | 0.2% | |
| Charles Schwab Trust Bank Schwab Bank Savings | — | — | — | $5K | 0.1% |