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Form 5500 · Retirement plan · NASHVILLE, TN

CENTERSTONE OF AMERICA, INC.

The filing calls this plan CENTERSTONE OF AMERICA, INC. 403(B) RETIREMENT PLAN.

CENTERSTONE OF AMERICA, INC. of NASHVILLE, TN's retirement plan holds 2 insurance-company contracts (annuities or guaranteed-interest accounts), disclosed on Schedule A of its Form 5500. These are investment and funding contracts, not group health or welfare coverage. No medical, dental or life benefit is reported on this filing.

Agent of record (Schedule A)
Contract year ends
Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0072992 · plan 001 · plan year 2024, filed Aug 25, 2025

Participants at the start of the year
4,932
Contracts on file
2
Contract value
$10,064,532
Plan year end
December

Plan brief

Schedule A lists 2 insurance contracts held by the plan — annuities, guaranteed-interest accounts or similar funding vehicles. The largest number are with THE VARIABLE ANNUITY LIFE INSURANCE CO..

The contracts held $10,064,532 at the end of the plan year, as reported on Schedule A.

$3,586 in agent commissions is disclosed across the contracts; NATHAN S EMBRY is the agent of record.

A Schedule A is filed for a retirement plan when plan assets sit in an insurance company contract. It reports the contract's balances and any agent commission. It does not report a health, dental or life premium, and it does not give a group renewal date.

The contract year ended in December.

Schedule A insurance contracts

CarrierContract typeCoveredYear endsContract valueCommission
THE VARIABLE ANNUITY LIFE INSURANCE CO.Annuity / GIC911December$2,144,938$3,586
PRINCIPAL LIFE INSURANCE COMPANYAnnuity / GIC4,687December$7,919,594$0

Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
CENTERSTONE OF AMERICA, INC.
EIN 20-0072992
PRINCIPAL LIFE INSURANCE COMPANY
Contract administrator · EIN 42-0127290
$342,302
paid directly by the plan
NATIONAL BENEFIT SERVICES, LLC
OTHER SERVICES · EIN 20-0072992
$0
paid directly by the plan
SHEPHERD FINANCIAL INVESTMENT ADVIS
INVESTMENT ADVISORY · EIN 82-0759826
$0
paid directly by the plan
MORNINGSTAR INVESTMENT MANAGEMENT L
INV ADV, PARTICIPANTS · EIN 36-4317381
$0
paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

What the plan holds

Plan assets at year end
$120,597,815
Paid out in benefits
$14,283,243
Participants at the start of the year
4,932
Participants with account balances
2,499

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

Who runs the plan

Independent accountantEIN 62-1199757
LBMC, PC
Accountant's opinion (Schedule H, line 3a)
Unmodified

From Schedule H of this filing.

We can name the recordkeeper and the auditor for large plans, the ones that file a Schedule C or a Schedule H. Smaller plans do not have to report either, so for most 401(k) plans in the country that information is not public anywhere.

The filing reports that employee contributions were not forwarded to the plan on time (line 4a).

Other plans filed by this employer

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