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Original filing (PDF)20251014103437NAL0002536529002
THE ANDOVER COMPANIES
Form 5500
FILING_RECEIVED
MERRIMACK MUTUAL FIRE INSURANCE COMPANY RETIREMENT PLAN
Defined-benefit pension plan
Signals · 2
31% in single holding92% employer stock
Active participants
307
Accounts w/ balance
—
Plan assets (EOY)
$459.2M
Net assets (EOY)
$459.2M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
60
Total plan cost
75
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "ELI LILLY + CO Common Stock" is 31% of plan.
- 92% of plan in employer / sponsor stock.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE ANDOVER COMPANIES.
Plan sponsor
Name
THE ANDOVER COMPANIES
EIN
04-1614490
Address
95 OLD RIVER ROAD · ANDOVER, MA · 018101078
Phone
(978) 475-3300
Industry
Finance & Insurancesee 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
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
1E · Section 401(h) arrangement
Audit & trust (Schedule H)
Auditor
PRICEWATERHOUSECOOPERS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $0 | — |
Investments
27 direct securities· $416.8M(91% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| ELI LILLY + CO Common Stock | — | — | $6.0M | $127.3M | 27.7% | |
| U.S. Treasury N/B Fixed Income | — | — | $22.2M | $22.0M | 4.8% | |
| ALTRIA GROUP INC Common Stock | — | — | $7.8M | $20.5M | 4.5% | |
| BLACKSTONE INC Common Stock | — | — | $8.4M | $19.0M | 4.1% | |
| JOHNSON + JOHNSON Common Stock | — | — | $7.7M | $18.7M | 4.1% | |
| BRISTOL MYERS SQUIBB CO Common Stock | — | — | $7.7M | $18.2M | 4.0% | |
| KIMBERLY CLARK CORP Common Stock | — | — | $8.4M | $17.2M | 3.8% | |
| LOCKHEED MARTIN CORP Common Stock | — | — | $15.2M | $17.0M | 3.7% | |
| CHEVRON CORP Common Stock | — | — | $12.7M | $16.4M | 3.6% | |
| GENERAL MILLS INC Common Stock | — | — | $8.6M | $15.7M | 3.4% | |
| MICROSOFT CORP Common Stock | — | — | $14.6M | $15.2M | 3.3% | |
| LOWES COS INC Common Stock | — | — | $14.5M | $14.8M | 3.2% | |
| KELLANOVA Common Stock | — | — | $8.1M | $13.9M | 3.0% | |
| VERIZON COMMUNICATIONS INC Common Stock | — | — | $12.2M | $13.4M | 2.9% | |
| AT+T INC Common Stock | — | — | $10.0M | $10.0M | 2.2% | |
| COLGATE PALMOLIVE CO Common Stock | — | — | $4.1M | $9.5M | 2.1% | |
| INTL BUSINESS MACHINES CORP Common Stock | — | — | $7.4M | $9.3M | 2.0% | |
| State Street Bank & Trust STIF Short Term Investment Fund | — | — | $7.8M | $7.8M | 1.7% | |
| DUKE ENERGY CORP Common Stock | — | — | $4.7M | $6.5M | 1.4% | |
| PFIZER INC Common Stock | — | — | $7.9M | $6.4M | 1.4% | |
| DOW INC Common Stock | — | — | $2.4M | $4.0M | 0.9% | |
| CVS HEALTH CORP Common Stock | — | — | $5.5M | $3.8M | 0.8% | |
| CORNING INC Common Stock | — | — | $2.0M | $3.6M | 0.8% | |
| AMERICAN TOWER CORP Common Stock | — | — | $1.7M | $2.1M | 0.5% | |
| Vanguard Money Market Fund Short Term Investment Fund | — | — | $2.1M | $2.1M | 0.4% | |
| UNITED PARCEL SERVICE CL B Common Stock | — | — | $1.2M | $1.3M | 0.3% | |
| PHILIP MORRIS INTERNATIONAL Common Stock | — | — | $990K | $1.1M | 0.2% |