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Original filing (PDF)20251002073415NAL0000142657001
RIVERHEAD BUILDING SUPPLY CORP.
Form 5500
FILING_RECEIVED
RIVERHEAD BUILDING SUPPLY CORP 401(K) PLAN FOR UNION EMPLOYEES
401(k) retirement plan
Active participants
207
Accounts w/ balance
249
Plan assets (EOY)
$17.4M
Net assets (EOY)
$17.4M
How this plan invests
This plan
12 pooled trusts
Schedule D
29 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 44 bps in Schedule C fees — 53% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RIVERHEAD BUILDING SUPPLY CORP..
Plan sponsor
Name
RIVERHEAD BUILDING SUPPLY CORP.
EIN
11-2238519
Address
250 DAVID COURT · CALVERTON, NY · 11933
Phone
(631) 996-3125
Industry
Wholesale Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-02
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
SHEEHAN & COMPANY CPA PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $23K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES INC | — | NASHVILLE, TN | INVESTMENT ADVISOR | $24K | — |
| COMMONWEALTH EQUITY SERVICES LLC | — | WALTHAM, MA | INVESTMENT ADVISOR | $13K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SHEEHAN COMPANY CPA PC | — | BRIGHTWATER, NY | AUDITOR | $18K | — |
Investments
17 direct securities · 12 pooled funds· $17.5M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$10.8M
17 holdings
Pooled Separate Account
$6.6M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MassMutual Guaranteed Interest Account a | — | — | — | $2.7M | 15.7% | |
| VANGUARD TARGET RETIREMENT 2030 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $1.9M | 10.7% | |
| VANGUARD TARGET RETIREMENT 2040 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $1.8M | 10.2% | |
| Fidelity Investments Fidelity 500 Index Fund a | — | — | — | $1.6M | 9.2% | |
| AB Funds AB Large Cap Growth Fund a | — | — | — | $1.3M | 7.6% | |
| T. Rowe Price T Rowe Price New Horizons Fnd a | — | — | — | $1.3M | 7.5% | |
| VANGUARD TARGET RETIREMENT 2050 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $965K | 5.5% | |
| Colombia Dividend Income Fund a | — | — | — | $870K | 5.0% | |
| Participant Notes Receivable Interest rate of 4.25% - 9.50% | — | — | — | $642K | 3.7% | |
| JP Morgan JP Morgan Core Bond Fund a | — | — | — | $626K | 3.6% | |
| American Funds Amer Funds Euro Pacific GR Fund a | — | — | — | $435K | 2.5% | |
| VANGUARD TARGET RETIREMENT 2060 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $387K | 2.2% | |
| VANGUARD TARGET RETIREMENT 2035 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $384K | 2.2% | |
| VANGUARD TARGET RETIREMENT 2045 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $310K | 1.8% | |
| Vanguard Small Cap Index Fund a | — | — | — | $301K | 1.7% | |
| VANGUARD TARGET RETIREMENT 2020 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $284K | 1.6% | |
| American Funds American Funds New Prspctve Fd a | — | — | — | $271K | 1.6% | |
| VANGUARD TARGET RETIREMENT INCOME I VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $263K | 1.5% | |
| JP Morgan JP Morgan Mid Cap Value Fund a | — | — | — | $210K | 1.2% | |
| VANGUARD TARGET RETIREMENT 2055 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $195K | 1.1% | |
| Vanguard Mid Cap Index Fund a | — | — | — | $164K | 0.9% | |
| Victory Sycamore Sm Co Oppt Fd a | — | — | — | $143K | 0.8% | |
| VANGUARD TARGET RETIREMENT 2065 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $105K | 0.6% | |
| American Funds American Funds New World R6 a | — | — | — | $80K | 0.5% | |
| VANGUARD TARGET RETIREMENT 2025 INV VANGUARD · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $73K | 0.4% | |
| Fidelity Investments Fidelity US Bond Index Fund a | — | — | — | $53K | 0.3% | |
| Fidelity Investments Fidelity Total Intl Index Fd a | — | — | — | $35K | 0.2% | |
| BLACKROCK MID-CAP GROWTH EQUITY K BLACKROCK · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $27K | 0.2% | |
| PGIM Investments PGIM Glbl Total Rtrn Fd a | — | — | — | $21K | 0.1% |
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