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Original filing (PDF)20251008130150NAL0005578849001
A.N. DERINGER, INC.
Form 5500
FILING_RECEIVED
A.N. DERINGER, INC.401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
530
Accounts w/ balance
609
Plan assets (EOY)
$60.6M
Net assets (EOY)
$60.6M
How this plan invests
This plan
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 32 bps in Schedule C fees — 102% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for A.N. DERINGER, INC..
Plan sponsor
Name
A.N. DERINGER, INC.
EIN
03-0117050
Address
64 NORTH STREET · ST. ALBANS, VT · 05478
Phone
(802) 524-8110
Industry
All Other Professional Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
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
MCSOLEY & MCCOY & CO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | 13-2655998 | — | ADVISOR | $101K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANDARD CORP FINANCIAL GROUP | 93-1253576 | — | NONE | $95K | — |
Investments
32 direct securities· $60.1M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Century Select R6 Mutual Fund | — | — | — | $9.1M | 14.9% | |
| American Funds TGT DT 2030 Mutual Fund | — | — | — | $8.7M | 14.4% | |
| American Funds TGT DT 2035 Mutual Fund | — | — | — | $7.2M | 11.9% | |
| American Funds TGT DT 2025 Mutual Fund | — | — | — | $6.6M | 10.9% | |
| American Funds TGT DT 2040 Mutual Fund | — | — | — | $3.6M | 6.0% | |
| American Funds TGT DT 2045 Mutual Fund | — | — | — | $3.0M | 4.9% | |
| Standard Stable Asset Fund A Stable Value Fund | — | — | — | $2.0M | 3.4% | |
| American Funds TGT DT 2050 Mutual Fund | — | — | — | $2.0M | 3.3% | |
| Principal Midcap Fund ClassR-6 Mutual Fund | — | — | — | $1.9M | 3.1% | |
| Vanguard Equity Income ADM Mutual Fund | — | — | — | $1.6M | 2.7% | |
| American Funds TGT DT 2020 Mutual Fund | — | — | — | $1.6M | 2.6% | |
| American Funds New Perspective R6 Mutual Fund | — | — | — | $1.5M | 2.5% | |
| MFS Massachusetts Investors Trust R5 Mutual Fund | — | — | — | $1.5M | 2.4% | |
| American Funds TGT DT 2055 Mutual Fund | — | — | — | $1.4M | 2.4% | |
| American Funds TGT DT 2060 Mutual Fund | — | — | — | $1.2M | 1.9% | |
| MFS Bond R5 Mutual Fund | — | — | — | $1.1M | 1.8% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $1.1M | 1.8% | |
| Goldman Sachs Small Cap Value Insights R6 Mutual Fund | — | — | — | $1.0M | 1.7% | |
| Voya Intermediate Bond Fund Mutual Fund | — | — | — | $816K | 1.3% | |
| Fidelity Small Cap Index Fund Instl Premium CL Mutual Fund | — | — | — | $785K | 1.3% | |
| Participant loans 3.25% - 8.50% - | — | — | — | $726K | 1.2% | |
| Goldman Sachs GQG Partners Intl Opp fund R6 Mutual Fund | — | — | — | $617K | 1.0% | |
| American Funds Balanced R6 Mutual Fund | — | — | — | $278K | 0.5% | |
| American Funds New World R6 Mutual Fund | — | — | — | $158K | 0.3% | |
| American Funds TGT DT 2065 Mutual Fund | — | — | — | $140K | 0.2% | |
| Vanguard FTSE SOCIL Index Fund ADM Mutual Fund | — | — | — | $110K | 0.2% | |
| MFS High Income R5 Mutual Fund | — | — | — | $67K | 0.1% | |
| American Funds TGT DT 2015 Mutual Fund | — | — | — | $38K | <0.1% | |
| Fidelity Inter Index Fund Mutual Fund | — | — | — | $24K | <0.1% | |
| Fidelity US Bond Index Mutual Fund | — | — | — | $19K | <0.1% | |
| The Standard Cash account Money Market Fund | — | — | — | $8K | <0.1% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $4K | <0.1% |