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Original filing (PDF)20250709143228NAL0003414771001
LUTCO, INC.
Form 5500
FILING_RECEIVED
LUTCO, INC. 401(K) PLAN
401(k) retirement plan
Active participants
104
Accounts w/ balance
123
Plan assets (EOY)
$12.0M
Net assets (EOY)
$12.0M
How this plan invests
This plan
28 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
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 56 bps in Schedule C fees — 94% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LUTCO, INC..
Plan sponsor
Name
LUTCO, INC.
EIN
04-2015830
Address
677 CAMBRIDGE STREET · WORCESTER, MA · 016102664
Phone
(508) 756-6296
Industry
Manufacturingsee 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
2025-07-09
Pension benefit codes
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)
3B · Covers self-employed individuals
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)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $27K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORTHWESTERN MUTUAL WEALTH MGMT CO | — | MILWAUKEE, WI | INVESTMENT ADVISOR | $28K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LUTCO INC | — | WORCESTER, MA | OTHER | $13K | — |
Investments
28 direct securities· $10.5M(87% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PGIM Jennison Mid-Cap Growth Fund " | — | — | — | $1.2M | 10.0% | |
| American Century Strategic Allocation Aggressive Fund Mutual fund | — | — | — | $1.0M | 8.6% | |
| T.Rowe Price Retirement 2030 Fund " | — | — | — | $846K | 7.0% | |
| American Funds EuroPacific Growth Fund " | — | — | — | $787K | 6.5% | |
| T. Rowe Price Blue Chip Growth Fund " | — | — | — | $755K | 6.3% | |
| Vanguard 500 Index Admiral Fund " | — | — | — | $751K | 6.2% | |
| Victory Sycamore Established Value Fund " | — | — | — | $689K | 5.7% | |
| T.Rowe Price Retirement 2035 Fund " | — | — | — | $610K | 5.1% | |
| American Funds Washington Mutual Investors Fund " | — | — | — | $536K | 4.5% | |
| Vanguard Small Cap Index Fund " | — | — | — | $528K | 4.4% | |
| American Funds American Balanced Fund " | — | — | — | $514K | 4.3% | |
| MFS Value Fund " | — | — | — | $374K | 3.1% | |
| T.Rowe Price Retirement 2020 Fund " | — | — | — | $309K | 2.6% | |
| TCW MetWest Total Return Bond Fund Class I " | — | — | — | $287K | 2.4% | |
| American Century Strategic Allocation Moderate Fund " | — | — | — | $212K | 1.8% | |
| American Funds American High-Income Trust Fund " | — | — | — | $193K | 1.6% | |
| T.Rowe Price Retirement 2050 Fund " | — | — | — | $175K | 1.5% | |
| TCW MetWest Low Duration Bond Fund Class I " | — | — | — | $159K | 1.3% | |
| Vanguard International Value Fund " | — | — | — | $131K | 1.1% | |
| Vanguard Inflation-Protected Securities Fund " | — | — | — | $78K | 0.7% | |
| T.Rowe Price Retirement 2040 Fund " | — | — | — | $77K | 0.6% | |
| T.Rowe Price Retirement 2010 Fund " | — | — | — | $54K | 0.5% | |
| Cohen & Steers Real Estate Securities Fund " | — | — | — | $39K | 0.3% | |
| American Century Strategic Allocation Conservative Fund " | — | — | — | $36K | 0.3% | |
| T.Rowe Price Retirement 2045 Fund " | — | — | — | $31K | 0.3% | |
| DFA U.S. Small Cap Value Portfolio Fund " | — | — | — | $24K | 0.2% | |
| BlackRock Global Allocation Fund " | — | — | — | $14K | 0.1% | |
| American Funds New World Fund Class R6 " | — | — | — | $14K | 0.1% |
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