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Original filing (PDF)20250731103121NAL0002505571001
ABILITYFIRST
Form 5500
FILING_RECEIVED
ABILITYFIRST DEFINED CONTRIBUTION PLAN
403(b) retirement plan
Signals · 2
49% in single holdingNo recordkeeper disclosed
Active participants
395
Accounts w/ balance
257
Plan assets (EOY)
$17.5M
Net assets (EOY)
$17.5M
How this plan invests
This plan
2 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
76
Total plan cost
100
Vendor stack
80
Participation health
80
Knocking points off
- Top holding "Value 16,358,786" is 49% of plan.
- No recordkeeper disclosed on Schedule C.
- 65% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (11 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ABILITYFIRST.
Plan sponsor
Name
ABILITYFIRST
EIN
95-1690983
Address
789 NORTH FAIR OAKS AVENUE · PASADENA, CA · 91103
Phone
(626) 243-4840
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
2025-07-31
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
GREEN HANSON & JANKS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NFP RETIREMENT INC | 33-0905143 | — | NONE | $18K | — |
| AMERICAN UNITED LIFE INSURANCE CO | 35-0145825 | — | NONE | $2K | — |
| VOYA RETIREMENT INS & ANNUITY CO | 71-0294708 | — | NONE | $583 | — |
Investments
29 direct securities · 2 pooled funds· $45.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$32.2M
29 holdings
Pooled Separate Account
$13.1M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Value 16,358,786 | — | — | $16.4M | $17.5M | 99.9% | |
| AUL AMERICAN UNIT TRUST AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000 | Pooled Separate Account | — | — | $9.9M | 56.5% | |
| COLLEGE RETIREMENT EUQITIES FUND VARIABLE ANNUITIES* TIAA REGISTERED INVESTMENT COMPANY 0 | — | — | — | $3.3M | 18.7% | |
| VOYA INVESTMENTS VOYA · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $3.2M | 18.2% | |
| T. ROWE PRICE TROWEPRICE RET 2025 I MUTUAL FUND SHARES 0 | — | — | — | $2.0M | 11.4% | |
| T. ROWE PRICE TROWEPRICE RET 2030 I MUTUAL FUND SHARES 0 | — | — | — | $1.1M | 6.6% | |
| FIDELITY 500 INDEX MUTUAL FUND SHARES 0 | — | — | — | $1.1M | 6.4% | |
| T. ROWE PRICE TROWEPRICE RET 2035 I MUTUAL FUND SHARES 0 | — | — | — | $1.1M | 6.3% | |
| T. ROWE PRICE TROWEPRICE RET 2045 I MUTUAL FUND SHARES 0 | — | — | — | $1.0M | 5.9% | |
| Value 1,113,278 | — | — | $1.1M | $1.0M | 5.9% | |
| T. ROWE PRICE TROWEPRICE RET 2050 I MUTUAL FUND SHARES 0 | — | — | — | $623K | 3.6% | |
| COLLEGE RETIREMENT EUQITIES FUND VARIABLE ANNUITIES* TIAA INSURAND COMPANY GENERAL CONTRACT 0 | — | — | — | $579K | 3.3% | |
| FIDELITY SM CAP INDEX MUTUAL FUND SHARES 0 | — | — | — | $480K | 2.7% | |
| T. ROWE PRICE TROWEPRICE RET 2055 I MUTUAL FUND SHARES 0 | — | — | — | $403K | 2.3% | |
| PIONEER FNDAMENTAL GRTH K MUTUAL FUND SHARES 0 | — | — | — | $379K | 2.2% | |
| T. ROWE PRICE TROWEPRICE RET 2020 I MUTUAL FUND SHARES 0 | — | — | — | $301K | 1.7% | |
| VOYA LIFE INSRUANCE AND ANNUITY COMPANY VOYA FIXED ACCOUNT 0 | — | — | — | $238K | 1.4% | |
| PARTICIPANTS LOANS 4% TO 9% 0 | — | — | — | $214K | 1.2% | |
| T. ROWE PRICE TROWEPRICE RET 2060 I MUTUAL FUND SHARES 0 | — | — | — | $204K | 1.2% | |
| DFA US TARGETED VAL I MUTUAL FUND SHARES 0 | — | — | — | $152K | 0.9% | |
| T. ROWE PRICE TROWEPRICE RET 2015 I MUTUAL FUND SHARES 0 | — | — | — | $148K | 0.8% | |
| FEDERATED FED HERM MDT SM CAP CORE R6 MUTUAL FUND SHARES 0 | — | — | — | $136K | 0.8% | |
| AMERICAN UNITED LIFE INS CO AUL STABLE VALUE ACCOUNT 0 | — | — | — | $61K | 0.3% | |
| VOYA LIFE INSRUANCE AND ANNUITY COMPANY VOYA PARTICIPANT LOANS 0 | — | — | — | $38K | 0.2% | |
| FIDELITY US BOND IDX MUTUAL FUND SHARES 0 | — | — | — | $9K | <0.1% | |
| party collateral, par or maturity value (d) Cost (e) Current value AMERICAN FUNDS AMERFDS EUROPAC GRTH R6 MUTUAL FUND SHARES 0 | — | — | — | $8K | <0.1% | |
| FIDELITY INTL INDEX MUTUAL FUND SHARES 0 | — | — | — | $6K | <0.1% | |
| T. ROWE PRICE TROWEPRICE RET 2010 I MUTUAL FUND SHARES 0 | — | — | — | $6K | <0.1% | |
| T. ROWE PRICE TROWEPRICE RET 2005 I MUTUAL FUND SHARES 0 | — | — | — | $6K | <0.1% | |
| AMERICAN FUNDS AMERFDS WASHINGTON MUTUAL R6 MUTUAL FUND SHARES 0 | — | — | — | $4K | <0.1% | |
| T. ROWE PRICE TROWEPRICE RET 2065 I MUTUAL FUND SHARES 0 | — | — | — | $3K | <0.1% |