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Original filing (PDF)20251015222144NAL0011721874001
CAFUA MANAGEMENT COMPANY LLC
Form 5500
FILING_RECEIVED
CAFUA MANAGEMENT 401(K) SAVINGS PLAN
401(k) retirement plan
Active participants
627
Accounts w/ balance
280
Plan assets (EOY)
$6.7M
Net assets (EOY)
$6.7M
How this plan invests
This plan
1 pooled trust
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
80
Vendor stack
100
Participation health
65
Knocking points off
- 69 bps in Schedule C fees — modestly above peer band of 52 bps.
- Only 45% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CAFUA MANAGEMENT COMPANY LLC.
Plan sponsor
Name
CAFUA MANAGEMENT COMPANY LLC
EIN
04-3554864
Address
280 MERRIMACK STREET · METHUEN, MA · 01844
Phone
(978) 682-2382
Industry
Retail 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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
WOLF & COMPANY, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORDKEEPER | $27K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CWM, LLC | 27-4011107 | — | ADVISOR | $13K | — |
| THE HAYS FINANCIAL GROUP, LLC | 41-1931920 | — | ADVISOR | $7K | — |
Investments
29 direct securities · 1 pooled fund· $6.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$6.3M
29 holdings
Common Collective Trust
$346K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Funds Van Target Retire 2030 | — | — | — | $977K | 14.6% | |
| Vanguard Funds Van Target Retire 2040 | — | — | — | $894K | 13.4% | |
| Vanguard Funds Van Target Retire 2045 | — | — | — | $814K | 12.2% | |
| Vanguard Funds Van Target Retire 2050 | — | — | — | $602K | 9.0% | |
| Vanguard Funds Van Target Retire 2035 | — | — | — | $551K | 8.2% | |
| Fidelity Funds Fid 500 Ind | — | — | — | $450K | 6.7% | |
| Vanguard Funds Van Target Retire 2055 | — | — | — | $443K | 6.6% | |
| Vanguard Funds Van Target Retire 2025 | — | — | — | $403K | 6.0% | |
| INVESCO STABLE ASSET FUND INVESCO TRUST COMPAANY · EIN 46-3793325 / PN 001 | Common Collective Trust | — | — | $346K | 5.2% | |
| Vanguard Funds Van Targ Retire 2060 | — | — | — | $325K | 4.8% | |
| Vanguard Funds Vang Equity Inc Adm | — | — | — | $136K | 2.0% | |
| PIMCO Funds Pimco Income Fund - Instl | — | — | — | $120K | 1.8% | |
| JPM Funds Jpm Growth Advantage Fund - R | — | — | — | $115K | 1.7% | |
| Vanguard Funds Van Targ Retire 2065 | — | — | — | $78K | 1.2% | |
| John Hancock Funds John Hancock Balanced Fund R6 | — | — | — | $71K | 1.1% | |
| Interest rate of 3.25% - 9.50% | — | — | — | $64K | 0.9% | |
| Fidelity Funds Fid Small Cap Index | — | — | — | $62K | 0.9% | |
| Fidelity Funds Fid Mid Cap Index | — | — | — | $60K | 0.9% | |
| Fidelity Funds Fid International Index | — | — | — | $57K | 0.9% | |
| Federated Hermes Funds Federated Hermes Intl Str Vld | — | — | — | $32K | 0.5% | |
| Undiscovered Funds Undisc Mgrs Behavioral Val R6 | — | — | — | $29K | 0.4% | |
| Victory Established Funds Victory Established Value R6 | — | — | — | $20K | 0.3% | |
| MFS Funds Mfs Mid Cap Growth R6 | — | — | — | $14K | 0.2% | |
| Victory Income Funds Vic Core Plus Interm Bond R6 | — | — | — | $8K | 0.1% | |
| Vanguard Funds Van Target Retire 2020 | — | — | — | $8K | 0.1% | |
| Putnam Funds Putnam Sm Cap Gwthr6 | — | — | — | $8K | 0.1% | |
| Vanguard Funds Vanguard Ftse Social Index Ad | — | — | — | $4K | <0.1% | |
| PIMCO Funds Pimco Real Return Fund - Inst | — | — | — | $2K | <0.1% | |
| DFA Funds Dfa Real Estate Sec Port Inst | — | — | — | $2K | <0.1% | |
| Vanguard Funds Van Target Retire Inc | — | — | — | $1K | <0.1% |