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Original filing (PDF)20250922100836NAL0002087763001
FERRANDINO & SON, INC.
Form 5500
FILING_RECEIVED
FERRANDINO & SON, INC. 401(K) RETIREMENT PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
149
Accounts w/ balance
166
Plan assets (EOY)
$6.2M
Net assets (EOY)
$6.2M
How this plan invests
This plan
1 pooled trust
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 66 bps in Schedule C fees — modestly above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FERRANDINO & SON, INC..
Plan sponsor
Name
FERRANDINO & SON, INC.
EIN
11-3144705
Address
71 CAROLYN BLVD · FARMINGDALE, NY · 117351527
Phone
(631) 844-1540
Industry
Constructionsee 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)
2A · Age/service weighted or new comparability
Audit & trust (Schedule H)
Auditor
GRASSI & CO., CPAS, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE BENEFIT PRACTICE | 13-4144565 | — | THIRD PARTY ADMIN | $15K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEPWM LLC/PATRICK VAN ROTEN | — | NEW YORK, NY | SERVICE PROVIDER | $16K | — |
| LINCOLN NATIONAL CORPORATION | 35-1140070 | — | SERVICE PROVIDER | $10K | — |
Investments
28 direct securities · 1 pooled fund· $12.3M(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
$6.2M
28 holdings
Pooled Separate Account
$6.1M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| LINCOLN NEW YORK SEPARATE ACCOUNT 4 LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK · EIN 22-0832760 / PN 401 | Pooled Separate Account | — | — | $6.1M | 97.9% | |
| YourPath SAJ5 YourPath Active 2050 Mod | — | — | — | $1.1M | 17.8% | |
| YourPath SAJ2 YourPath Active 2045 Mod | — | — | — | $955K | 15.4% | |
| YourPath SAJ8 YourPath Active 2055 Mod | — | — | — | $837K | 13.5% | |
| YourPath SAHY YourPath Active 2040 Mod | — | — | — | $775K | 12.5% | |
| YourPath SAHV YourPath Active 2035 Mod | — | — | — | $626K | 10.1% | |
| YourPath SAHS YourPath Active 2030 Mod | — | — | — | $338K | 5.5% | |
| Vanguard SACG Vanguard 500 Index | — | — | — | $256K | 4.1% | |
| YourPath SAJ9 YourPath Active 2055 Agg ** 262 * YourPath SAJB YourPath Active 2060 Mod | — | — | — | $227K | 3.7% | |
| YourPath SAHK YourPath Active 2015 Agg ** 19 * YourPath SAHL YourPath Active 2020 Con ** 19 * YourPath SAHM YourPath Active 2020 Mod ** 19 * YourPath SAHN YourPath Active 2020 Agg ** 30 * YourPath SAHP YourPath Active 2025 Mod | — | — | — | $212K | 3.4% | |
| YourPath SAHQ YourPath Active 2025 Agg | — | — | — | $176K | 2.8% | |
| Participant Loans Interest rates ranging from 6.50% to 9.50% - | — | — | — | $116K | 1.9% | |
| YourPath SAJ6 YourPath Active 2050 Agg | — | — | — | $97K | 1.6% | |
| YourPath SAJF YourPath Active 2065 Agg | — | — | — | $93K | 1.5% | |
| PIMCO SA9Y PIMCO CmdtyRlRetrn Strat ** 58 PIMCO SAA1 PIMCO Intl Bond Fnd Admin ** 398 Vanguard SAAZ VG LifeStrat Cons Grw ** 19 Vanguard SAB1 VG LifeStrat Grw ** 19 Vanguard SAB4 VG Mid Cap Val Idx Admrl | — | — | — | $83K | 1.3% | |
| Vanguard SAE7 Vanguard Sm Cap Value Ind | — | — | — | $48K | 0.8% | |
| YourPath SAJE YourPath Active 2065 Mod | — | — | — | $41K | 0.7% | |
| Vanguard SAE6 Vanguard Sm Cap Grwth Ind | — | — | — | $34K | 0.6% | |
| American funds SA6J American Funds New World | — | — | — | $31K | 0.5% | |
| American funds SA6F AmerFunds Int Grw&Inc | — | — | — | $30K | 0.5% | |
| Vanguard SACH VG Dev Markets Idx Admrl | — | — | — | $26K | 0.4% | |
| Blackrock SA6M BlackRock High Yield Port | — | — | — | $18K | 0.3% | |
| Vanguard SAEP VG LifeStrategy Income ** 19 * YourPath SAHF YourPath Active 2010 Mod ** 19 * YourPath SAHJ YourPath Active 2015 Mod | — | — | — | $18K | 0.3% | |
| JP Morgan SA8L JPMorgan Lrg Cap Grw | — | — | — | $16K | 0.3% | |
| Stable Value Fund Guaranteed Stable Value Fund | — | — | — | $13K | 0.2% | |
| Neuberger Berman SA9R Neu Berman Mid Cap Grw | — | — | — | $8K | 0.1% | |
| Western Asset Mangement Co. SABW Western Ast Core Bond | — | — | — | $8K | 0.1% | |
| JP Morgan SA8Y JPMorgan US Equity | — | — | — | $5K | <0.1% | |
| American funds SA6L AmerFunds Was Mut Invt | — | — | — | $4K | <0.1% |