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Original filing (PDF)20251015161822NAL0010260082001
NEPTUNE TRADING GROUP
Form 5500
FILING_RECEIVED
NEPTUNE TRADING GROUP 401(K) PLAN
401(k) retirement plan
Signals · 2
~90 bps in Sched C feesNo recordkeeper disclosed
Active participants
127
Accounts w/ balance
14
Plan assets (EOY)
$5.3M
Net assets (EOY)
$5.3M
How this plan invests
This plan
1 pooled trust
Schedule D
37 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
80
Participation health
65
Knocking points off
- 90 bps in Schedule C fees — 74% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 11% 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 NEPTUNE TRADING GROUP.
Plan sponsor
Name
NEPTUNE TRADING GROUP
EIN
05-0447141
Address
130 BELLEVUE AVENUE · SUITE 201 · NEWPORT, RI · 02840
Phone
(401) 849-2160
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2H · Partial participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KAHN, LITWIN, RENZA & CO., LTD.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERUS FINANCIAL, NA | 45-6062081 | — | NONE | $48K | — |
Investments
37 direct securities · 1 pooled fund· $5.2M(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
$5.2M
37 holdings
Common Collective Trust
$69K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund | — | — | — | $501K | 9.5% | |
| AllianceBernstein AB Large Cap Growth Fund Class Z | — | — | — | $408K | 7.8% | |
| Touchstone Large Cap Focused Fund Class Y | — | — | — | $323K | 6.1% | |
| Charles Schwab S&P 500 Index | — | — | — | $309K | 5.9% | |
| Blackrock Mid-Cap Value K Fund | — | — | — | $262K | 5.0% | |
| JPMorgan Mid-Cap Growth Fund R6 | — | — | — | $226K | 4.3% | |
| PGIM High Yield Fund Class R6 | — | — | — | $225K | 4.3% | |
| American Funds New World Fund R6 | — | — | — | $219K | 4.2% | |
| Baird Core Plus Bond Institutional Fund | — | — | — | $216K | 4.1% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $212K | 4.0% | |
| Principal Real Estate Securities Fund R6 | — | — | — | $206K | 3.9% | |
| Alerus Moderate Portfolio | — | — | — | $200K | 3.8% | |
| Alerus Moderate Aggressive Portfolio | — | — | — | $180K | 3.4% | |
| Columbia Threadneedle Dividend Income Institutional Class 3 | — | — | — | $167K | 3.2% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $149K | 2.8% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $146K | 2.8% | |
| Fidelity International Index Fund | — | — | — | $131K | 2.5% | |
| Alerus Aggressive Portfolio | — | — | — | $127K | 2.4% | |
| Eaton Vance Parametric Commodity Strategy Fund Class I | — | — | — | $117K | 2.2% | |
| T Rowe Price International Value Equity I Fund | — | — | — | $115K | 2.2% | |
| various dates through December 2029, collateralized by participant account balances | — | — | — | $93K | 1.8% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $90K | 1.7% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $78K | 1.5% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $71K | 1.4% | |
| ValueLine Small-Cap Opportunities Fund | — | — | — | $70K | 1.3% | |
| Reliance Trust Met Life Group Annuity Contract Series 25053 Class 0 | — | — | — | $69K | 1.3% | |
| RELIANCE TRUST COMPANY STABLE VALUE METLIFE GAC SERIES 25053 · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $69K | 1.3% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $48K | 0.9% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $47K | 0.9% | |
| MFS New Discovery Value Fund Class R6 | — | — | — | $32K | 0.6% | |
| Northern Funds Mid-Cap Index | — | — | — | $29K | 0.6% | |
| Vanguard Small-Cap Index Admiral Fund #548 | — | — | — | $29K | 0.6% | |
| Alerus Conser Portfolio | — | — | — | $28K | 0.5% | |
| Thornburg Limited Term Income Fund | — | — | — | $17K | 0.3% | |
| PGIM Global Total Return Fund R6 | — | — | — | $16K | 0.3% | |
| MFS International Intrinsic Value Fund R6 | — | — | — | $15K | 0.3% | |
| Vanguard Target Retirement 2070 Fund 734 Vanguard Target Retirement Income Fund | — | — | — | $4K | <0.1% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $2K | <0.1% |
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