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Original filing (PDF)20251015103946NAL0005825776001
COIT SERVICES, INC.
Form 5500
FILING_RECEIVED
COIT SERVICES, INC. EMPLOYEE SAVINGS & RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~81 bps in Sched C fees
Active participants
205
Accounts w/ balance
207
Plan assets (EOY)
$12.5M
Net assets (EOY)
$12.5M
How this plan invests
This plan
15 pooled trusts
Schedule D
40 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
- 81 bps in Schedule C fees — 178% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COIT SERVICES, INC..
Plan sponsor
Name
COIT SERVICES, INC.
EIN
94-1635764
Address
897 HINCKLEY ROAD · BURLINGAME, CA · 94010
Phone
(800) 243-8797
Industry
Other Services (ex. Public Admin)see 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
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | 06-1050034 | GREENWOOD VILLAGE, CO | INSURANCE RECORDKEEPER | $47K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KESTRA ADVISORY SERVICES LLC | 35-2552359 | AUSTIN, TX | FINANCIAL ADVISOR | $21K | — |
| EMPOWER ADVISORY GROUP, LLC | 84-0467907 | GREENWOOD VILLAGE, CO | INVESTMENT MANAGEMENT | $614 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HICKS PENSION SERVICES, INC. | 94-2158860 | FRESNO, CA | THIRD PARTY ADMINISTRATO | $23K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ CPAS P.C. | 43-1947695 | SAN FRANCISCO, CA | AUDITOR | $9K | — |
Investments
25 direct securities · 15 pooled funds· $23.6M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$18.2M
25 holdings
Common Collective Trust
$4.0M
13 holdings
Pooled Separate Account
$1.4M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Empower Mutual Funds | — | — | — | $5.5M | 44.0% | |
| Empower Collective Trusts | — | — | — | $4.0M | 32.2% | |
| Empower Pooled Separate Accounts | — | — | — | $1.4M | 11.5% | |
| LARGE CAP GROWTH/JP MORGAN INVST MG EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $1.4M | 11.1% | |
| Empower Annuity Insurance Company of America Fixed Account ^ | — | — | — | $1.4M | 11.0% | |
| LARGE CAP VALUE II GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $1.0M | 8.1% | |
| MFS Moderate Allocation Fund Class R6 43,109 Units ^ | — | — | — | $844K | 6.8% | |
| Fidelity Investments Fidelity 500 Index Fund 4,080 Units ^ | — | — | — | $833K | 6.7% | |
| GREAT TRUST AMERICAN FUNDS 2030 I GREAT GRAY · EIN 38-4126262 / PN 566 | Common Collective Trust | — | — | $684K | 5.5% | |
| Putnam Global Technology Fund Class R6 8,787 Units ^ | — | — | — | $643K | 5.1% | |
| GREAT TRUST AMERICAN FUNDS 2050 I GREAT GRAY · EIN 38-4126266 / PN 570 | Common Collective Trust | — | — | $613K | 4.9% | |
| American Funds American Funds American High-Income Trust Class R6 51,236 Units ^ | — | — | — | $539K | 4.3% | |
| PIMCO Income Institutional Class 45,107 Units ^ | — | — | — | $475K | 3.8% | |
| American Funds American Funds New Perspective Fund Class R6 7,379 Units ^ | — | — | — | $459K | 3.7% | |
| GREAT TRUST AMERICAN FUNDS 2040 I GREAT GRAY · EIN 38-4126264 / PN 568 | Common Collective Trust | — | — | $455K | 3.6% | |
| American Funds American Funds The Bond Fund of America Class R6 40,662 Units ^ | — | — | — | $453K | 3.6% | |
| Fidelity Investments Fidelity International Index Fund 8,744 Units ^ | — | — | — | $416K | 3.3% | |
| GREAT TRUST AMERICAN FUNDS 2045 I GREAT GRAY · EIN 38-4126265 / PN 569 | Common Collective Trust | — | — | $327K | 2.6% | |
| GREAT TRUST AMERICAN FUNDS 2025 I GREAT GRAY · EIN 38-4126261 / PN 565 | Common Collective Trust | — | — | $326K | 2.6% | |
| GREAT TRUST AMERICAN FUNDS 2035 I GREAT GRAY · EIN 38-4126263 / PN 567 | Common Collective Trust | — | — | $312K | 2.5% | |
| Victory Capital Victory Sycamore Established Value Fund Class R6 5,126 Units ^ | — | — | — | $236K | 1.9% | |
| Fidelity Investments Fidelity Emerging Markets Index Fund 18,535 Units ^ | — | — | — | $194K | 1.6% | |
| Jan 2025 to September 2041 - | — | — | — | $157K | 1.3% | |
| Participant Loans 4.25%-10.50% | — | — | — | $157K | 1.3% | |
| GREAT TRUST AMERICAN FUNDS 2020 I GREAT GRAY · EIN 38-4126260 / PN 564 | Common Collective Trust | — | — | $156K | 1.2% | |
| American Century Investments American Century Small Cap Growth Fund R6 Class 5,203 Units ^ | — | — | — | $120K | 1.0% | |
| Invesco Small Cap Value Fund Class R6 4,308 Units ^ | — | — | — | $113K | 0.9% | |
| GREAT TRUST AMERICAN FUNDS 2060 I GREAT GRAY · EIN 38-4126268 / PN 572 | Common Collective Trust | — | — | $83K | 0.7% | |
| Fidelity Investments Fidelity Mid Cap Index Fund 2,395 Units ^ | — | — | — | $81K | 0.6% | |
| MID CAP GROWTH I FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 409 | Pooled Separate Account | — | — | $49K | 0.4% | |
| GREAT TRUST AMERICAN FUNDS 2055 I GREAT GRAY · EIN 38-4126267 / PN 571 | Common Collective Trust | — | — | $47K | 0.4% | |
| Fidelity Investments Fidelity US Bond Index Fund 4,298 Units ^ | — | — | — | $44K | 0.4% | |
| Fidelity Investments Fidelity Small Cap Index Fund 1,253 Units ^ | — | — | — | $35K | 0.3% | |
| Cohen & Steers Cohen & Steers Real Estate Securities Z 876 Units ^ | — | — | — | $15K | 0.1% | |
| GREAT TRUST AMERICAN FUNDS 2065 I GREAT GRAY · EIN 38-7275308 / PN 777 | Common Collective Trust | — | — | $9K | <0.1% | |
| Empower Forfeitures | — | — | — | $8K | <0.1% | |
| GREAT TRUST AMERICAN FUNDS 2010 I GREAT GRAY · EIN 38-4126290 / PN 593 | Common Collective Trust | — | — | $4K | <0.1% | |
| GREAT TRUST AMERICAN FUNDS 2015 I GREAT GRAY · EIN 38-4126259 / PN 563 | Common Collective Trust | — | — | $2K | <0.1% | |
| American Funds American Funds Inflation Linked Bond Fund Class R6 133 Units ^ | — | — | — | $1K | <0.1% | |
| MFS Conservative Allocation Fund Class R6 68 Units ^ | — | — | — | $1K | <0.1% |