Back to filter
Original filing (PDF)20250731111238NAL0003006499001
C&S WHOLESALE GROCERS, INC.
Form 5500
FILING_RECEIVED
C&S AND AFFILIATES 401(K) SAVINGS PLAN (B)
401(k) retirement plan
Signals · 2
1 failed disclosure46% in single holding
Active participants
1
Accounts w/ balance
162
Plan assets (EOY)
$20.2M
Net assets (EOY)
$20.2M
How this plan invests
This plan
4 pooled trusts
Schedule D
26 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
77
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- Top holding "Common Collective trusts * Fidelity Investments Fidelity Growth Company Commingled Pool" is 46% of plan.
Helping the score
- Below-peer total fees (20 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for C&S WHOLESALE GROCERS, INC..
Plan sponsor
Name
C&S WHOLESALE GROCERS, INC.
EIN
04-1140950
Address
7 CORPORATE DRIVE · KEENE, NH · 03431
Phone
(603) 354-7472
Industry
Wholesale Tradesee 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
2G · Total participant-directed accounts
2J · 401(k) feature
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2F · ERISA section 404(c)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
HAM, LANGSTON&BREZINA, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $16K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HAM, LANGSTON & BREZINA LLP | 76-0448495 | — | ACCOUNTANT | $24K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
25 direct securities · 4 pooled funds· $20.9M(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
$10.9M
25 holdings
Common Collective Trust
$10.0M
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FID GROWTH CO POOL A FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 135 | Common Collective Trust | — | — | $9.3M | 46.2% | |
| Empower Investments Group annunity contract - Empower Guaranteed Income Fund | — | — | — | $2.3M | 11.3% | |
| Fidelity Investment Fidelity 500 Index Fund | — | — | — | $2.1M | 10.1% | |
| Oakmark Fund Investor Class | — | — | — | $2.0M | 9.9% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2025 Fund | — | — | — | $1.1M | 5.2% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2030 Fund | — | — | — | $978K | 4.8% | |
| BlackRock Mid-Cap Growth Equity Fund | — | — | — | $519K | 2.6% | |
| BR MIDCAP GR EQ L1 GREAT GRAY TRUST COMPANY · EIN 20-3802327 / PN 003 | Common Collective Trust | — | — | $519K | 2.6% | |
| Vanguard Investment Vanguard Institutional Target Retirement Income Fund | — | — | — | $379K | 1.9% | |
| J.P. Morgan JPMorgan Core Bond Class A | — | — | — | $378K | 1.9% | |
| Vanguard Investment Vanguard Total Stock Market Fund Institutional Shares | — | — | — | $272K | 1.3% | |
| Fidelity Investment Fidelity International Capital Apreciation K6 Fund | — | — | — | $193K | 1.0% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2020 Fund | — | — | — | $150K | 0.7% | |
| Neuberger Berman NB Large Cap Value (WTNA) Trust Class R | — | — | — | $123K | 0.6% | |
| NB LG CAP VAL CIT R GREAT GRAY TRUST COMPANY · EIN 38-7264545 / PN 708 | Common Collective Trust | — | — | $123K | 0.6% | |
| Janus Henderson Triton Janus Henderson Triton Fund Class I | — | — | — | $75K | 0.4% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2040 Fund | — | — | — | $74K | 0.4% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2050 Fund | — | — | — | $67K | 0.3% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2035 Fund | — | — | — | $66K | 0.3% | |
| Fidelity Investments Self-Directed Brokerage Accounts - Brokeragelink | — | — | — | $49K | 0.2% | |
| Vanguard Investment Vanguard Institutional Target Retirement 2045 Fund | — | — | — | $42K | 0.2% | |
| Fidelity Investment Fidelity International Index Fund | — | — | — | $31K | 0.2% | |
| Vanguard Investment Vanguard Total Bond Market Index Fund Institutional Shar | — | — | — | $25K | 0.1% | |
| BlackRock High Yield Bond Portfolio Institutional | — | — | — | $18K | <0.1% | |
| J.P. Morgan JPMorgan Midcap Value Fund Class L | — | — | — | $17K | <0.1% | |
| Dimensional Funds Emerging Markets Core Equity Portfolio Institutional Clas ** Advisors | — | — | — | $14K | <0.1% | |
| Fidelity Investment Fidelity Small Cap Value Fund | — | — | — | $5K | <0.1% | |
| American Fund American Funds Europacific Growth R6 | — | — | — | $2K | <0.1% | |
| FRANKLIN INTL GR R GREAT GRAY TRUST COMPANY · EIN 26-3783561 / PN 911 | Common Collective Trust | — | — | $0 | <0.1% |