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Original filing (PDF)20250818162120NAL0002442496001
SPERRY RAIL, INC.
Form 5500
FILING_RECEIVED
SPERRY RAIL, INC. SAVINGS & INVESTMENT PLAN
401(k) retirement plan
Active participants
367
Accounts w/ balance
236
Plan assets (EOY)
$37.7M
Net assets (EOY)
$37.7M
How this plan invests
This plan
2 pooled trusts
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
80
Knocking points off
- 64% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPERRY RAIL, INC..
Plan sponsor
Name
SPERRY RAIL, INC.
EIN
06-0917470
Address
5 RESEARCH DRIVE · SHELTON, CT · 06484
Phone
(203) 702-8740
Industry
Manufacturingsee 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
2025-08-18
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $61K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDUCIENT ADVISORS LLC | 36-4001764 | — | ADVISOR | $22K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTONLARSONALLEN LLP | 03-9606443 | — | AUDITOR | $26K | — |
Investments
23 direct securities · 2 pooled funds· $47.4M(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
$37.8M
23 holdings
Common Collective Trust
$9.6M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Harbor Capital Appr CIT Cl R | — | — | — | $9.6M | 25.6% | |
| HARBOR CAPITAL APPR CIT CL R HARBOR · EIN 84-4022934 / PN 001 | Common Collective Trust | — | — | $9.6M | 25.6% | |
| Vanguard Instl Index | — | — | — | $8.4M | 22.2% | |
| Transamerica Guaranteed Investment Option Guaranteed Investment Contract | — | — | — | $3.1M | 8.3% | |
| Dodge & Cox Income X Mutual Fund | — | — | — | $2.2M | 6.0% | |
| Vanguard Mid Cap Index Admiral Fund Mutual Fund | — | — | — | $2.2M | 5.7% | |
| Vanguard Small Cap Index Admiral Fund Mutual Fund | — | — | — | $2.0M | 5.3% | |
| Vanguard Target Retirement 2030 Fund Inv Mutual Fund | — | — | — | $1.5M | 4.1% | |
| Vanguard Total Bond Market Index Fund Mutual Fund | — | — | — | $1.1M | 3.0% | |
| American Funds EuroPacific Growth Fund R6 Mutual Fund | — | — | — | $1.1M | 3.0% | |
| Vanguard Total Intl Stock Index Fund Mutual Fund | — | — | — | $869K | 2.3% | |
| Vanguard Target Retirement 2025 Fund Inv Mutual Fund | — | — | — | $844K | 2.2% | |
| Vanguard Target Retirement 2035 Fund Inv Mutual Fund | — | — | — | $824K | 2.2% | |
| Vanguard Target Retirement 2040 Fund Inv Mutual Fund | — | — | — | $688K | 1.8% | |
| Vanguard Target Retirement Income Fund Inv Mutual Fund | — | — | — | $497K | 1.3% | |
| Participants Notes Receivable with interest rates of 4.25% to 9.50% | — | — | — | $467K | 1.2% | |
| Vanguard Target Retirement 2045 Fund Inv Mutual Fund | — | — | — | $465K | 1.2% | |
| Federated U.S. Treasury Cash Reserves Money Market Fund | — | — | — | $401K | 1.1% | |
| Federated Hermes US Trs Csh Res Svc | — | — | — | $401K | 1.1% | |
| Vanguard Target Retirement 2055 Fund Inv Mutual Fund | — | — | — | $385K | 1.0% | |
| Vanguard Target Retirement 2020 Fund Inv Mutual Fund | — | — | — | $231K | 0.6% | |
| Vanguard Target Retirement 2050 Fund Inv Mutual Fund | — | — | — | $188K | 0.5% | |
| Vanguard Target Retirement 2060 Fund Inv Mutual Fund | — | — | — | $170K | 0.5% | |
| State Street Instl US Govt Money Market Pr Money Market Fund | — | — | — | $38K | <0.1% | |
| HARBOR CAPITAL APPRECIATION CLASS 5 HARBOR · EIN 84-4022934 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |