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Original filing (PDF)20251013135402NAL0002122304001
ENVIRONMENTAL DESIGNS, INC.
Form 5500
FILING_RECEIVED
THE WINTERBERRY GROUP RETIREMENT PLAN
401(k) retirement plan
Signals · 2
43% in single holding~128 bps in Sched C fees
Active participants
220
Accounts w/ balance
152
Plan assets (EOY)
$4.6M
Net assets (EOY)
$4.6M
How this plan invests
This plan
1 pooled trust
Schedule D
17 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
79
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- Top holding "s Vanguard Vanguard Mid Cap Idx Adm" is 43% of plan.
- 128 bps in Schedule C fees — 146% above peer band of 52 bps.
- 69% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ENVIRONMENTAL DESIGNS, INC..
Plan sponsor
Name
ENVIRONMENTAL DESIGNS, INC.
EIN
06-1275964
Address
2070 WEST STREET · SOUTHINGTON, CT · 06489
Phone
(860) 378-0071
Industry
Professional & Technical Servicessee 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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FML, CPA'S
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | RECORDKEEPER | $32K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | INVESTMENT ADVISOR | $28K | — |
Investments
17 direct securities · 1 pooled fund· $8.2M(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.
Pooled Separate Account
$3.7M
1 holding
Uncategorized
$2.5M
16 holdings
Mutual Funds
$1.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT A STANDARD INSURANCE COMPANY · EIN 93-0242990 / PN 005 | Pooled Separate Account | — | — | $3.7M | 79.9% | |
| Vanguard Mid Cap Idx Adm | Mutual Funds | — | — | $1.9M | 41.2% | |
| Vanguard Tot BdMktIdx Adm | — | — | — | $827K | 17.8% | |
| Vanguard EmergMktStkIdx Adm | — | — | — | $619K | 13.3% | |
| Standard Stable Asset D | — | — | — | $466K | 10.0% | |
| Cash TD Ameritrade Insured Deposit Account | — | — | — | $106K | 2.3% | |
| Partnership Investment Vonfinch Partnership | — | — | — | $79K | 1.7% | |
| Hartford Dividend & Grwth R6 | — | — | — | $77K | 1.7% | |
| T.Rowe Price Comm & Tech | — | — | — | $67K | 1.4% | |
| Fidelity Balanced | — | — | — | $57K | 1.2% | |
| Notes Receivable From Participants * Notes receivable from participants Interest rates ranging from 4.25% to 9.00%, with - | — | — | — | $43K | 0.9% | |
| Securities * Robinhood Crypto currency | — | — | — | $39K | 0.8% | |
| Vanguard Financials Idx Adm | — | — | — | $36K | 0.8% | |
| Vanguard Sm Cap Idx Adm | — | — | — | $30K | 0.7% | |
| Vanguard Materials Idx Adm DC | — | — | — | $30K | 0.7% | |
| Vanguard Real Estate Index Fund INV | — | — | — | $29K | 0.6% | |
| Vanguard Fidelity International Index | — | — | — | $23K | 0.5% | |
| Charles Schwab Stocks | — | — | — | $18K | 0.4% |