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Original filing (PDF)20250925080121NAL0011805426001
SMITH BROTHERS INSURANCE, LLC
Form 5500
FILING_RECEIVED
SMITH BROTHERS INSURANCE, LLC 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
222
Accounts w/ balance
262
Plan assets (EOY)
$29.1M
Net assets (EOY)
$29.1M
How this plan invests
This plan
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Knocking points off
- 40 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SMITH BROTHERS INSURANCE, LLC.
Plan sponsor
Name
SMITH BROTHERS INSURANCE, LLC
EIN
06-0391040
Address
68 NATIONAL DRIVE · GLASTONBURY, CT · 06033
Phone
(860) 652-3235
Industry
Insurance Agencies & Brokerages· Finance & Insurancesee 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
2025-09-25
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
WHITTLESEY PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $82K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SMITH BROTHERS FINANCIAL, LLC | — | GLASTONBURY, CT | INVESTMENT ADVISOR | $27K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION CONSULTANTS, INC. | — | FARMINGTON, CT | THIRD PARTY ADMIN | $7K | — |
Investments
38 direct securities· $28.6M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TIAA-CREF Lifcycle Idx 2025 Fund | — | — | — | $2.1M | 7.3% | |
| Vanguard Group 500 Index Fund | — | — | — | $2.1M | 7.3% | |
| MassMutual SAGIC Diversified Bond I | — | — | — | $1.9M | 6.5% | |
| TIAA-CREF Lifcycle Idx 2030 Fund | — | — | — | $1.7M | 5.9% | |
| Vanguard Group Equity-Income Fund | — | — | — | $1.7M | 5.7% | |
| MFS Growth Fund | — | — | — | $1.7M | 5.7% | |
| Fidelity Small Cap Index | — | — | — | $1.4M | 4.8% | |
| American Funds Balanced Fund | — | — | — | $1.3M | 4.5% | |
| Vanguard Group Balanced Index Fund | — | — | — | $1.2M | 4.3% | |
| T.Rowe Price Dividend Growth Fund | — | — | — | $1.1M | 3.9% | |
| TIAA-CREF Lifcycle Idx 2040 Fund | — | — | — | $1.1M | 3.7% | |
| TIAA-CREF Lifcycle Idx 2035 Fund | — | — | — | $1.1M | 3.7% | |
| Vanguard Group Mid Cap Index Fund | — | — | — | $913K | 3.1% | |
| TIAA-CREF Lifcycle Idx 2045 Fund | — | — | — | $881K | 3.0% | |
| Putnam Dynamic Asst All Grw Fund | — | — | — | $828K | 2.8% | |
| TIAA-CREF Lifcycle Idx 2050 Fund | — | — | — | $714K | 2.5% | |
| Vanguard Group Mid-Cap Val Index Fund | — | — | — | $673K | 2.3% | |
| Vanguard Group Developed Markets Index Fund | — | — | — | $584K | 2.0% | |
| John Hancock Bond Fund | — | — | — | $555K | 1.9% | |
| TIAA-CREF Lifcycle Idx 2020 Fund | — | — | — | $541K | 1.9% | |
| Eaton Vance Atlanta Cap SMID-C | — | — | — | $537K | 1.8% | |
| TIAA-CREF Lifcycle Idx 2060 Fund | — | — | — | $467K | 1.6% | |
| American Funds Europacific Growth Fund | — | — | — | $426K | 1.5% | |
| Vanguard Group REIT Index Fund | — | — | — | $354K | 1.2% | |
| TIAA-CREF Lifcycle Idx 2015 Fund | — | — | — | $343K | 1.2% | |
| TIAA-CREF Lifcycle Idx 2055 Fund | — | — | — | $330K | 1.1% | |
| Vanguard Group Wellesley Income Fund | — | — | — | $328K | 1.1% | |
| Participants Notes receivable from participants (3.25% - 9.50%) $-0- | — | — | — | $310K | 1.1% | |
| Vanguard Group Intrm-Trm Bnd Index Fund | — | — | — | $283K | 1.0% | |
| Neuberger Berman Genesis Fund | — | — | — | $277K | 1.0% | |
| Ivy Funds Emerging Markets Equity Fund | — | — | — | $199K | 0.7% | |
| DFA US Small Cap Value I | — | — | — | $178K | 0.6% | |
| John Hancock Strategic Income Oppor Fund | — | — | — | $173K | 0.6% | |
| Vanguard Group Total Intl Bond Index Fund | — | — | — | $74K | 0.3% | |
| Vanguard Group Intl Growth Fund | — | — | — | $72K | 0.2% | |
| TIAA-CREF Lifcycle Idx 2065 Fund | — | — | — | $59K | 0.2% | |
| Vanguard Group High-Yield Corp Fund | — | — | — | $28K | <0.1% | |
| MassMutual Government Money Market | — | — | — | $4K | <0.1% |