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Original filing (PDF)20250801141405NAL0006318801001
DOWNS RACHLIN MARTIN PLLC
Form 5500
FILING_RECEIVED
DOWNS RACHLIN MARTIN RETIREMENT PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
129
Accounts w/ balance
189
Plan assets (EOY)
$119.6M
Net assets (EOY)
$119.6M
How this plan invests
This plan
1 pooled trust
Schedule D
57 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
85
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 14 bps in Schedule C fees — modestly above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for DOWNS RACHLIN MARTIN PLLC.
Plan sponsor
Name
DOWNS RACHLIN MARTIN PLLC
EIN
03-0253168
Address
90 PROSPECT STREET · ST. JOHNSBURY, VT · 058190099
Phone
(802) 748-8324
Industry
Law Offices· Professional & Technical Servicessee 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
2025-08-01
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $37K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | 47-1411118 | — | ADVISOR | $107K | — |
| RPW SOLUTIONS LLC | 88-1100312 | — | CONSULTANT | $9K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CARON & BLETZER, PLLC | 04-3499945 | — | ACCOUNTANT/AUDITOR | $12K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
57 direct securities · 1 pooled fund· $122.1M(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
$119.3M
57 holdings
Common Collective Trust
$2.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Growth Company Fund " | — | — | — | $10.6M | 8.8% | |
| Brokerage Link Self-directed brokerage account | — | — | — | $8.6M | 7.2% | |
| Fidelity Freedom 2030 K Fund " | — | — | — | $8.5M | 7.1% | |
| Fidelity Freedom 2020 K Fund " | — | — | — | $8.0M | 6.7% | |
| Fidelity 500 Index Fund " | — | — | — | $7.8M | 6.5% | |
| T. Rowe Price Retirement 2025 Fund Adv " | — | — | — | $7.1M | 5.9% | |
| Fidelity Freedom 2035 K Fund " | — | — | — | $5.6M | 4.7% | |
| Fidelity Freedom 2025 K Fund " | — | — | — | $5.4M | 4.5% | |
| Fidelity Freedom 2045 K Fund " | — | — | — | $4.9M | 4.1% | |
| T. Rowe Price Retirement 2020 Fund Adv " | — | — | — | $4.7M | 3.9% | |
| Fidelity Government Money Market Fund " | — | — | — | $3.9M | 3.2% | |
| Fidelity Freedom 2040 K Fund " | — | — | — | $3.7M | 3.1% | |
| Fidelity Managed Income Portfolio Class 1 Fund Common collective trust | — | — | — | $2.8M | 2.4% | |
| MIP CL 1 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 024 | Common Collective Trust | — | — | $2.8M | 2.4% | |
| T. Rowe Price Retirement 2030 Fund Adv " | — | — | — | $2.6M | 2.1% | |
| PIMCO Total Return Fund Adm " | — | — | — | $2.5M | 2.1% | |
| Fidelity Contrafund " | — | — | — | $2.4M | 2.0% | |
| T. Rowe Price Retirement 2040 Fund Adv " | — | — | — | $2.3M | 1.9% | |
| MFS LifeTime Income Fund R6 " | — | — | — | $2.1M | 1.7% | |
| T. Rowe Price Retirement 2035 Fund Adv " | — | — | — | $2.0M | 1.6% | |
| Fidelity Freedom 2055 K Fund " | — | — | — | $1.9M | 1.6% | |
| Hartford Equity Income Fund R4 " | — | — | — | $1.7M | 1.4% | |
| MFS LifeTime 2025 Fund R6 " | — | — | — | $1.6M | 1.3% | |
| Invesco Growth & Income Fund A " | — | — | — | $1.4M | 1.2% | |
| Fidelity US Bond Index Fund " | — | — | — | $1.4M | 1.2% | |
| MFS LifeTime 2030 Fund R6 " | — | — | — | $1.3M | 1.1% | |
| Eaton Vance Atlanta Capital Small-Mid Cap Fund I " | — | — | — | $1.2M | 1.0% | |
| Fidelity Strategic Income Fund " | — | — | — | $1.1M | 0.9% | |
| Fidelity Low Priced Stock Fund " | — | — | — | $950K | 0.8% | |
| Allspring SPL MD CP VAL ADM " | — | — | — | $939K | 0.8% | |
| American Funds Europacific Growth Fund R4 " | — | — | — | $927K | 0.8% | |
| PIMCO Real Return Bond Fund " | — | — | — | $852K | 0.7% | |
| Fidelity Freedom 2050 K Fund " | — | — | — | $845K | 0.7% | |
| Victory Small Company Opportunity Fund A " | — | — | — | $771K | 0.6% | |
| PIMCO Global Bond OP US$H I " | — | — | — | $682K | 0.6% | |
| T. Rowe Price Retirement 2015 Fund Adv " | — | — | — | $612K | 0.5% | |
| PGIM High Yield Fund R6 " | — | — | — | $591K | 0.5% | |
| American Funds New World R6 " | — | — | — | $586K | 0.5% | |
| Dodge & Cox International Stock Fund I " | — | — | — | $553K | 0.5% | |
| Fidelity Freedom 2010 K Fund " | — | — | — | $459K | 0.4% | |
| Neuberger Berman Genesis Fund Inv CL " | — | — | — | $433K | 0.4% | |
| Clearbridge Small Cap Growth Fund I Mutual fund | — | — | — | $392K | 0.3% | |
| PGIM Global Real Estate Fund Z " | — | — | — | $380K | 0.3% | |
| Fidelity Canada Fund " | — | — | — | $330K | 0.3% | |
| Fidelity Freedom 2060 K Fund " | — | — | — | $318K | 0.3% | |
| T. Rowe Price Retirement 2065 Fund Adv " ** 184 Invesco MS Small Cap Fund R5 " | — | — | — | $267K | 0.2% | |
| Fidelity International Index Fund " | — | — | — | $205K | 0.2% | |
| Fidelity Extended Market Index Fund " | — | — | — | $201K | 0.2% | |
| MFS LifeTime 2035 Fund R6 " | — | — | — | $198K | 0.2% | |
| Fidelity Ginnie Mae Fund " | — | — | — | $176K | 0.1% | |
| T. Rowe Price Retirement 2055 Fund Adv " | — | — | — | $154K | 0.1% | |
| T. Rowe Price Retirement 2060 Fund Adv " | — | — | — | $142K | 0.1% | |
| Fidelity Small Cap Index Fund " | — | — | — | $122K | 0.1% | |
| T. Rowe Price International Discovery Fund " | — | — | — | $119K | <0.1% | |
| Fidelity Freedom 2065 K Fund " | — | — | — | $39K | <0.1% | |
| PIMCO Commodity Real Return Fund Adm " | — | — | — | $36K | <0.1% | |
| MFS LifeTime 2050 Fund R6 " | — | — | — | $27K | <0.1% | |
| Fidelity Freedom 2015 K Fund " | — | — | — | $3K | <0.1% |
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