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Original filing (PDF)20250922091254NAL0006483795001
TOWER LABORATORIES LTD.
Form 5500
FILING_RECEIVED
TOWER LABORATORIES 401(K) PLAN
401(k) retirement plan
Active participants
268
Accounts w/ balance
185
Plan assets (EOY)
$22.3M
Net assets (EOY)
$22.3M
How this plan invests
This plan
1 pooled trust
Schedule D
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
75
Vendor stack
100
Participation health
80
Knocking points off
- 69% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TOWER LABORATORIES LTD..
Plan sponsor
Name
TOWER LABORATORIES LTD.
EIN
06-1009478
Address
PO BOX 306 · CENTERBROOK, CT · 06409
Phone
(860) 767-2127
Industry
Manufacturingsee 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
2025-09-22
Pension benefit codes
2E · Profit-sharing
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)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
SANSIVERI, KIMBALL & CO., L.L.P.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | -$2K | — |
Investments
35 direct securities · 1 pooled fund· $23.0M(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
$22.3M
35 holdings
Common Collective Trust
$689K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Contrafund | — | — | — | $4.2M | 19.0% | |
| Fidelity 500 Index | — | — | — | $1.8M | 8.0% | |
| American Century Equity Income | — | — | — | $1.6M | 7.4% | |
| T. Rowe Price Retirement 2035 | — | — | — | $1.6M | 7.2% | |
| American Funds American Balanced R4 | — | — | — | $1.6M | 7.1% | |
| Fidelity Total Bond | — | — | — | $984K | 4.4% | |
| T. Rowe Price Retirement 2025 | — | — | — | $978K | 4.4% | |
| Carillon Scout Mid-Cap Fund Class I | — | — | — | $933K | 4.2% | |
| Fidelity International Capital Appreciation Fund | — | — | — | $901K | 4.0% | |
| T. Rowe Price Retirement 2020 | — | — | — | $887K | 4.0% | |
| T. Rowe Price Retirement 2030 | — | — | — | $786K | 3.5% | |
| Federated Hermes MDT Small Cap Core Fund | — | — | — | $740K | 3.3% | |
| (1) value (a) party par or maturity value (d) Cost Common/collective trust - * Fidelity Managed Income Portfolio | — | — | — | $689K | 3.1% | |
| MIP CL 1 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 024 | Common Collective Trust | — | — | $689K | 3.1% | |
| T. Rowe Price Retirement 2045 | — | — | — | $542K | 2.4% | |
| Virtus Mid-Cap Value Equity I | — | — | — | $507K | 2.3% | |
| T. Rowe Price Retirement 2040 | — | — | — | $445K | 2.0% | |
| Virtus Multi-Sector S/T Bd A | — | — | — | $428K | 1.9% | |
| First Eagle Global I | — | — | — | $400K | 1.8% | |
| T. Rowe Price Retirement 2055 | — | — | — | $380K | 1.7% | |
| T. Rowe Price Retirement 2050 | — | — | — | $363K | 1.6% | |
| Massachusetts Financial Services Research International Fund Class R6 | — | — | — | $279K | 1.3% | |
| Notes receivable from participants Interest at 4.25% - 9.50% | — | — | — | $261K | 1.2% | |
| T. Rowe Price Retirement 2060 | — | — | — | $257K | 1.2% | |
| T. Rowe Price Retirement 2015 | — | — | — | $254K | 1.1% | |
| DFA US Small Cap Value I | — | — | — | $170K | 0.8% | |
| Blackrock Mid-Cap Growth Equity Portfolio Investor A | — | — | — | $114K | 0.5% | |
| Janus Henderson Triton T Fund | — | — | — | $76K | 0.3% | |
| Fidelity International Index Fund | — | — | — | $18K | <0.1% | |
| Self-directed brokerage accounts - * Fidelity Self-directed brokerage accounts | — | — | — | $17K | <0.1% | |
| Invesco Developing Markets Fund Class Y | — | — | — | $15K | <0.1% | |
| Brandywine Global Opportunities Bond I | — | — | — | $15K | <0.1% | |
| T. Rowe Price Retirement Balance Fund | — | — | — | $11K | <0.1% | |
| Blackrock Inflation Protected Bond Inv A | — | — | — | $10K | <0.1% | |
| Fidelity Government Money Market | — | — | — | $4K | <0.1% | |
| Fidelity U.S. Bond Index Fund | — | — | — | $3K | <0.1% |
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