Filings through Sep 24, 2026.

Retirement plan

Lutheran Social Services Group, Inc. 401(k) Retirement Plan

Name: LUTHERAN SOCIAL SERVICE GROUP, INC. - LUTHERAN SOCIAL SERVICES GROUP, INC. 401(K) RETIREMENT PLAN (2024) Form 5500
Creator: LUTHERAN SOCIAL SERVICE GROUP, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, LUTHERAN SOCIAL SERVICES GROUP, INC. 401(K) RETIREMENT PLAN, LUTHERAN SOCIAL SERVICE GROUP, INC.

Lutheran Social Service Group, Inc.EIN 16-1548940Plan #001PY 2024Filed Oct 14, 2025

715 FALCONER ST - JAMESTOWN, NY 147011935716-665-8097

Prospect flagsLow returnsHigh feesPossible retail share class: $4.7MFew collective trustsFund lineup: 11 funds, $11.0M

Top hat statement on fileNQDC

Filed September 4, 2020 (most recent of 2 filings on file)

Plan administrator

Jason Beckwith, CFO

Jamestown, NY 14701

Email Phone

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Plans declared (1)

Lutheran Social Services Group, Inc. 457 Plan4 emp

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Total assets (EOY)

$11M

-18.7% from 2023

Total participants

187

-26.1% from 2023

Average account balance

$68,779

+7.8% from 2023

Annual return

9.67%

-4.62 pp from 2023

Benchmarks

See 21,775 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants25-99

Cohort21,775 peers

Snapshot2024

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Analytics

See the 10-year trajectory with Solo.

Service providers

Top 4 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290	Contract Administrator	$44,143
ROYAL ALLIANCE ASSOCIATES INC5 years Filed as: ROYAL ALLIANCE ASSOCIATES, INC. Service code 27 · EIN 93-0987232	Advisory (Plan)	$23,950
BUFFAMANTE WHIPPLE BUTTAFARO, P.C.6 years Filed as: BUFFAMANTE WHIPPLE Service code 10 · EIN 16-1117932	Accounting	$8,250
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381	Advisory (Participants)	$0

Fund lineup

CSV with Pro

11 funds of $250K or more; 19 lines in all, holding $11.0M of the plan's $11.0M. From the 2024 filing. Recordkeeper: Principal.

In collective trusts0%median 0% for plans of $5M to $50M (35,181 plans)

In index funds13%median 21% for plans of $5M to $50M (35,181 plans)

In the main target-date series42%median 36% for plans of $5M to $50M (35,181 plans)

Employer stockNo

Target-date series: American Funds Target Date, mutual fund, 42% of fund dollars

Fund	Manager	Vehicle	Dollars	% of funds%
American Funds Target Date Capital Group · Mutual fund Target-date, 11 vintages	Capital Group	Mutual fund	$4.6M	41.9%
Principal Stable Value Z Fund Principal · Stable value Stable valueRecordkeeper's own fund	Principal	Stable value	$1.4M	12.8%
T. Rowe Price Funds T. Rowe Price · Mutual fund	T. Rowe Price	Mutual fund	$1.1M	10.2%
Vanguard 500 Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$853K	7.7%
T. Rowe Price Retirement Balanced I Fund-I Class T. Rowe Price · Mutual fund	T. Rowe Price	Mutual fund	$563K	5.1%
T. Rowe Price Blue Chip Growth Fund, Inc. T. Rowe Price · Mutual fund	T. Rowe Price	Mutual fund	$496K	4.5%
Vanguard Small-Cap Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$298K	2.7%
MFS International Diversification R6 Fun MFS (Sun Life) · Mutual fund	MFS (Sun Life)	Mutual fund	$289K	2.6%
Vanguard Mid-Cap Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$235K	2.1%
American Funds New World Fund Class R-6 (i) Capital Group · Mutual fund	Capital Group	Mutual fund	$225K	2.0%

See the other 9 lines in this lineup with Solo.

Covers 61,314 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2E2G2J2K2T3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$52K

$563 / participant

Contract admin$44K84.3%
Other / not subdivided$8K15.7%

% of EOY assets

0.476%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: BUFFAMANTE WHIPPLE BUTTAFARO, P.C.
Auditor EIN: 161117932
Audit fees: $8,249
Opinion code: Unqualified

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Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY10+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$44,143

ROYAL ALLIANCE ASSOCIATES INC5 years

Filed as: ROYAL ALLIANCE ASSOCIATES, INC.

Service code 27 · EIN 93-0987232

Advisory (Plan)

$23,950

BUFFAMANTE WHIPPLE BUTTAFARO, P.C.6 years

Filed as: BUFFAMANTE WHIPPLE

Service code 10 · EIN 16-1117932

Accounting

$8,250

MORNINGSTAR1 year

Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L

Service code 26 · EIN 36-4317381

Advisory (Participants)

Fund

Dollars

% of funds%

American Funds Target Date

Capital Group · Mutual fund

Target-date, 11 vintages

$4.6M

41.9%

Principal Stable Value Z Fund

Principal · Stable value

Stable valueRecordkeeper's own fund

$1.4M

12.8%

T. Rowe Price Funds

T. Rowe Price · Mutual fund

$1.1M

10.2%

Vanguard 500 Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$853K

7.7%

T. Rowe Price Retirement Balanced I Fund-I Class

T. Rowe Price · Mutual fund

$563K

5.1%

T. Rowe Price Blue Chip Growth Fund, Inc.

T. Rowe Price · Mutual fund

$496K

4.5%

Vanguard Small-Cap Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$298K

2.7%

MFS International Diversification R6 Fun

MFS (Sun Life) · Mutual fund

$289K

2.6%

Vanguard Mid-Cap Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$235K

2.1%

American Funds New World Fund Class R-6 (i)

Capital Group · Mutual fund

$225K

2.0%

Lutheran Social Services Group, Inc. 401(k) Retirement Plan

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Lutheran Social Services Group, Inc. 401(k) Retirement Plan

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion