Back to filter
Original filing (PDF)20250930133224NAL0005517827001
CUMMINGS & LOCKWOOD LLC
Form 5500
FILING_RECEIVED
CUMMINGS & LOCKWOOD EMPLOYEES 401(K) SAVINGS PLAN
401(k) retirement plan
Active participants
195
Accounts w/ balance
262
Plan assets (EOY)
$107.2M
Net assets (EOY)
$107.2M
How this plan invests
This plan
2 pooled trusts
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (5 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CUMMINGS & LOCKWOOD LLC.
Plan sponsor
Name
CUMMINGS & LOCKWOOD LLC
EIN
06-0312590
Address
SIX LANDMARK SQUARE · STAMFORD, CT · 06901
Phone
(203) 327-1700
Industry
Professional & Technical Servicessee 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
2025-09-30
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH, PIERCE, FENNER AND S | 13-5674085 | — | RECORDKEEPER | $21K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTONLARSONALLEN LLP | 41-0746749 | — | ACCOUNTANT | $23K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CUMMINGS &LOCKWOOD LLC | — | STAMFORD, CT | OTHERS | $14K | — |
Investments
28 direct securities · 2 pooled funds· $138.1M(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
$84.2M
27 holdings
OTHER
$30.9M
1 holding
Common Collective Trust
$23.0M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Investments in Self-Directed Brokerage Accounts | OTHER | — | — | $30.9M | 28.8% | |
| SELF-DIRECT ACCT OTHER ASSETS | — | — | $25.4M | $25.4M | 23.7% | |
| STATE STREET SP 500 INDEX NL SERIES STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 306 | Common Collective Trust | — | — | $18.0M | 16.8% | |
| Invesco Growth and Income Fund Mutual Fund | — | — | — | $12.6M | 11.8% | |
| JP Morgan Large Cap Growth Fund R6 Mutual Fund | — | — | — | $11.4M | 10.6% | |
| Blackrock Global Allocation Fund Mutual Fund | — | — | — | $7.5M | 7.0% | |
| SELF-DIRECT ACCT OTHER ASSETS | — | — | $5.5M | $5.5M | 5.1% | |
| GALLIARD STABLE RETURN FUND CLASS C SEI TRUST COMPANY · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $5.0M | 4.7% | |
| Retirement Bank Account Bank Deposit Accounts | — | — | $4.5M | $4.5M | 4.2% | |
| Pioneer Bond Fund Class Y Mutual Fund | — | — | — | $3.8M | 3.6% | |
| JP Morgan Small Cap Equity Fund Mutual Fund | — | — | — | $3.4M | 3.2% | |
| Transamerica Intl Eqty Fund R6 Mutual Fund | — | — | — | $2.4M | 2.2% | |
| Columbia Mid Cap Value Fund Mutual Fund | — | — | — | $2.1M | 2.0% | |
| Voya Mid Cap Opportunities Fund Mutual Fund | — | — | — | $1.5M | 1.4% | |
| Invesco Equity and Income Fund Mutual Fund | — | — | — | $1.1M | 1.0% | |
| Fidelity US Bond Index Fund Mutual Fund | — | — | — | $644K | 0.6% | |
| Goldman Sachs GQG Partnrs Fund inst Mutual Fund | — | — | — | $542K | 0.5% | |
| Participants Participant Loans Rates from 4.25% to 9.50% - | — | — | — | $330K | 0.3% | |
| Fidelity International Index Institutional Mutual Fund | — | — | $340K | $330K | 0.3% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $317K | 0.3% | |
| LOAN FUND LOANS | — | — | $304K | $304K | 0.3% | |
| American Funds 2030 Target Fund R6 Mutual Fund | — | — | — | $258K | 0.2% | |
| Fidelity Small Cap Index Fund Mutual Fund | — | — | — | $164K | 0.2% | |
| American Funds 2040 Target Fund R6 Mutual Fund | — | — | — | $48K | <0.1% | |
| ACCRUED INCOME ACCRUED INCOME | — | — | $30K | $30K | <0.1% | |
| American Funds 2050 Target Fund R6 Mutual Fund | — | — | — | $23K | <0.1% | |
| American Funds 2045 Target Fund R6 Mutual Fund | — | — | — | $8K | <0.1% | |
| Allspring Special Small Cap Fund R6 Mutual Fund | — | — | — | $7K | <0.1% | |
| American Funds 2065 Target Fund R6 Mutual Fund | — | — | — | $6K | <0.1% | |
| American Funds 2025 Target Fund R6 Mutual Fund | — | — | — | $3K | <0.1% |