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Original filing (PDF)20251008174032NAL0006199345001
SCHMITT-SUSSMAN ENTERPRISES, INC. DBA PFP SERVICES
Form 5500
FILING_RECEIVED
SCHMITT-SUSSMAN ENTERPRISES, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
30% in single holding
Active participants
208
Accounts w/ balance
252
Plan assets (EOY)
$23.0M
Net assets (EOY)
$23.0M
How this plan invests
This plan
1 pooled trust
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
85
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vanguard 500 Index Admiral" is 30% of plan.
- 54 bps in Schedule C fees — 85% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SCHMITT-SUSSMAN ENTERPRISES, INC. DBA PFP SERVICES.
Plan sponsor
Name
SCHMITT-SUSSMAN ENTERPRISES, INC. DBA PFP SERVICES
EIN
06-0895325
Address
34 PRINDLE HILL ROAD · PO BOX 1500 · ORANGE, CT · 06477
Phone
(203) 795-6039
Industry
Insurance Agencies & Brokerages· Finance & Insurancesee 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
2025-10-08
Pension benefit codes
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
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JULY BUSINESS SERVICES LLC | 74-2715820 | WACO, TX | RECORDKEEPING | $26K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CERITY PARTNERS | — | LOS ANGELES, CA | NONE | $98K | — |
| CHARLES SCHWAB BANK | 42-1558009 | — | NONE | $0 | — |
Investments
24 direct securities · 1 pooled fund· $22.9M(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
$22.0M
24 holdings
Common Collective Trust
$950K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Admiral | — | — | — | $6.8M | 29.7% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $3.7M | 16.0% | |
| Vanguard Small Cap Index Fund | — | — | — | $1.6M | 6.9% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $1.3M | 5.8% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $1.2M | 5.3% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $1.1M | 4.6% | |
| Vanguard Total Intl Stock Index Admiral | — | — | — | $995K | 4.3% | |
| INVESCO STABLE VALUE TRUST INVESCO TRUST COMPANY · EIN 84-1142974 / PN 001 | Common Collective Trust | — | — | $950K | 4.1% | |
| Vanguard Interm-Term Bond Index Admiral | — | — | — | $753K | 3.3% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $740K | 3.2% | |
| Vanguard Total Stock Market Index Admiral | — | — | — | $726K | 3.2% | |
| Vanguard Short-Term Bond Index Admiral | — | — | — | $501K | 2.2% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $443K | 1.9% | |
| Participant loans Interest rates ranging from 4.25% to 9.50% | — | — | — | $373K | 1.6% | |
| Vanguard Total Intl Bond Index Admiral | — | — | — | $326K | 1.4% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $242K | 1.1% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $199K | 0.9% | |
| Vanguard Target Retirement Income Fund | — | — | — | $199K | 0.9% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $186K | 0.8% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $186K | 0.8% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $149K | 0.6% | |
| Vanguard Intermediate-Term Treasury Index Admiral | — | — | — | $106K | 0.5% | |
| Vanguard Emerging Markets Stock Index Admiral | — | — | — | $99K | 0.4% | |
| Vanguard Real Estate Index Admiral | — | — | — | $75K | 0.3% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $13K | <0.1% |
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