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Original filing (PDF)20251007202929NAL0004971633001
GEM PLUMBING AND HEATING CO., INC.
Form 5500
FILING_RECEIVED
GEM PLUMBING AND HEATING CO., INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
503
Accounts w/ balance
1,052
Plan assets (EOY)
$26.0M
Net assets (EOY)
$26.0M
How this plan invests
This plan
1 pooled trust
Schedule D
55 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Participation health
100
Knocking points off
- 37 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GEM PLUMBING AND HEATING CO., INC..
Plan sponsor
Name
GEM PLUMBING AND HEATING CO., INC.
EIN
05-0400832
Address
1 WELLINGTON RD · LINCOLN, RI · 02865
Phone
(401) 861-7021
Industry
Plumbing, Heating, AC Contractors· Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-07
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2J · 401(k) feature
2G · Total participant-directed accounts
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
TEMPLETON & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EDELMAN FINANCIAL ENGINES, LLC | 94-3250323 | — | CONTRACT ADMINISTRATOR | $95K | — |
Investments
52 direct securities · 1 pooled fund· $25.0M(96% 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
$24.6M
52 holdings
Common Collective Trust
$411K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Dividend Growth Inv | — | — | — | $1.9M | 7.3% | |
| BlackRock High Yield Bond Instl | — | — | — | $1.9M | 7.2% | |
| Vanguard Value Index Adm | — | — | — | $1.8M | 6.9% | |
| Vanguard 500 Index Admiral | — | — | — | $1.6M | 6.3% | |
| Lord Abbett Bond Debentur-R6 | — | — | — | $1.4M | 5.5% | |
| Dodge & Cox Income Cl I | — | — | — | $1.4M | 5.4% | |
| Vanguard PRIMECAP Adm | — | — | — | $1.3M | 5.0% | |
| Vanguard Inflation-Protected Secs Admiral | — | — | — | $1.2M | 4.5% | |
| Vanguard Interm-Term Treasury Admiral | — | — | — | $1.1M | 4.1% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $1.0M | 3.9% | |
| American Funds Europacific Growth A | — | — | — | $997K | 3.8% | |
| Vanguard GNMA Admiral | — | — | — | $885K | 3.4% | |
| Dodge & Cox International Stock Cl I | — | — | — | $759K | 2.9% | |
| American Funds New World A | — | — | — | $755K | 2.9% | |
| Vanguard Small Cap Index | — | — | — | $631K | 2.4% | |
| DFA US Large Company I | — | — | — | $508K | 2.0% | |
| DFA Five-Year Global Fixed-Income I | — | — | — | $504K | 1.9% | |
| DFA Short Term Government Port | — | — | — | $504K | 1.9% | |
| DFA US Large Cap Value I | — | — | — | $503K | 1.9% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $436K | 1.7% | |
| Loans to participants, interest rates ranging from * Notes receivable from participants - | — | — | — | $417K | 1.6% | |
| MORLEY STABLE VALUE I75 MATRIX TRUST COMPANY · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $411K | 1.6% | |
| DFA US Small Cap Value I | — | — | — | $306K | 1.2% | |
| DFA International Value I | — | — | — | $258K | 1.0% | |
| DFA US Micro Cap I | — | — | — | $256K | 1.0% | |
| DFA Real Estate Securities I | — | — | — | $243K | 0.9% | |
| American Funds Washington Mutual A | — | — | — | $200K | 0.8% | |
| DWS Science And Technology Fund-A | — | — | — | $183K | 0.7% | |
| American Funds Income Fund of Amer A | — | — | — | $158K | 0.6% | |
| American Funds Growth Fund of Amer A | — | — | — | $142K | 0.5% | |
| DFA International Small Company I | — | — | — | $140K | 0.5% | |
| John Hancock Disciplined Value R6 | — | — | — | $128K | 0.5% | |
| Franklin Cust US Govt Fund Cl R ** 6 Glenmede Small Cap Equity Adv | — | — | — | $123K | 0.5% | |
| DFA International Small Cap Value I | — | — | — | $121K | 0.5% | |
| Vanguard Balanced Index Adm | — | — | — | $115K | 0.4% | |
| DFA Emerging Markets Small Cap I | — | — | — | $96K | 0.4% | |
| Davis NY Venture A ** 400 DFA Emerging Markets I | — | — | — | $94K | 0.4% | |
| DFA Emerging Markets Value I | — | — | — | $75K | 0.3% | |
| BlackRock Flexible Equity Fund A | — | — | — | $66K | 0.3% | |
| Vanguard Short-Term Investment-Grade Adm | — | — | — | $56K | 0.2% | |
| Vanguard Windsor Adm | — | — | — | $50K | 0.2% | |
| Loomis Sayles Strategic Income Fund A | — | — | — | $46K | 0.2% | |
| DWS Small Cap Core Fund-A | — | — | — | $43K | 0.2% | |
| Mairs & Power Growth Inv | — | — | — | $39K | 0.2% | |
| American Funds Invmt Co of Amer A | — | — | — | $38K | 0.1% | |
| Harbor Bond Institutional | — | — | — | $35K | 0.1% | |
| Fidelity Low-Priced Stock | — | — | — | $25K | <0.1% | |
| Pimco Total Return A ** 3 PRIMECAP Odyssey Stock | — | — | — | $22K | <0.1% | |
| American Funds New Perspective A | — | — | — | $20K | <0.1% | |
| Templeton Foreign A | — | — | — | $8K | <0.1% | |
| American Funds Amer Funds Amer H/I A | — | — | — | $4K | <0.1% | |
| DWS Fairholme Fund | — | — | — | $4K | <0.1% | |
| Vanguard Federal Money Market Investor | — | — | — | $1K | <0.1% |