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Original filing (PDF)20251015122724NAL0002287651001
FRAGOMEN, DEL REY, BERNSEN & LOEWY, LLP
Form 5500
FILING_RECEIVED
FRAGOMEN, DEL REY, BERNSEN & LOEWY, LLP 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Active participants
2,519
Accounts w/ balance
2,877
Plan assets (EOY)
$345.4M
Net assets (EOY)
$345.4M
How this plan invests
This plan
3 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
- 15 bps in Schedule C fees — 51% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FRAGOMEN, DEL REY, BERNSEN & LOEWY, LLP.
Plan sponsor
Name
FRAGOMEN, DEL REY, BERNSEN & LOEWY, LLP
EIN
13-2726464
Address
90 MATAWAN ROAD · MATAWAN, NJ · 07747
Phone
(732) 862-5153
Industry
Law Offices· 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
2025-10-15
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $340K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS LLC DBA CAPTR | — | RALEIGH, NC | INVESTMENT ADVISOR | $147K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MCGLADREY LLP | — | CHICAGO, IL | AUDITOR | $35K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $484 | — |
Investments
27 direct securities · 3 pooled funds· $370.7M(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
$330.3M
27 holdings
Pooled Separate Account
$29.8M
2 holdings
Common Collective Trust
$10.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Institutional Index Fund | — | — | $120K | $57.5M | 16.6% | |
| American Funds 2035 Target Date Fund R6 | — | — | $1.8M | $33.9M | 9.8% | |
| Variable annuities Alliance Bernstein Large Cap Growth II | — | — | $422K | $28.1M | 8.1% | |
| LG CAP GRW II (MGDBY ALLIANCEBERNS) EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 128 | Pooled Separate Account | — | — | $28.1M | 8.1% | |
| American Funds 2050 Target Date Fund R6 | — | — | $1.3M | $26.7M | 7.7% | |
| American Funds 2055 Target Date Fund R6 | — | — | $999K | $26.4M | 7.6% | |
| American Funds 2045 Target Date Fund R6 | — | — | $1.2M | $26.0M | 7.5% | |
| American Funds 2040 Target Date Fund R6 | — | — | $1.3M | $25.7M | 7.5% | |
| American Funds 2030 Target Date Fund R6 | — | — | $1.1M | $18.4M | 5.3% | |
| Vanguard Extended Market Index Institutional Fund | — | — | $85K | $12.3M | 3.6% | |
| GALLIARD STABLE RETURN FUND C WELLS FARGO MUTUAL FUNDS · EIN 52-2250946 / PN 001 | Common Collective Trust | — | $172K | $10.6M | 3.1% | |
| Schwab SDB Accounts - | — | — | — | $10.5M | 3.0% | |
| American Funds 2060 Target Date Fund R6 | — | — | $575K | $10.3M | 3.0% | |
| American Funds 2025 Target Date Fund R6 | — | — | $626K | $9.5M | 2.8% | |
| Federated Hermes MDT Small Capital Growth Fund | — | — | $253K | $7.1M | 2.1% | |
| MFS International Diversification Fund R6 | — | — | $286K | $6.5M | 1.9% | |
| Fidelity Total Bond | — | — | $559K | $5.3M | 1.5% | |
| Vanguard Total International Stock Index Fund | — | — | $150K | $4.7M | 1.4% | |
| MFS Value Fund R6 | — | — | $73K | $3.5M | 1.0% | |
| American Funds 2020 Target Date Fund R6 | — | — | $248K | $3.3M | 1.0% | |
| Allspring SPE Small Capital Value Fund | — | — | $67K | $2.7M | 0.8% | |
| American Funds 2065 Target Date Fund R6 | — | — | $138K | $2.4M | 0.7% | |
| Vanguard Real Estate Investment Trust Admiral Fund | — | — | $18K | $2.2M | 0.6% | |
| Vanguard Emerging Markets Stock Index Admiral | — | — | $55K | $2.0M | 0.6% | |
| Vanguard Total Bond Market Index Fund | — | — | $184K | $1.7M | 0.5% | |
| HIGH YIELD BOND / PGIM FUND EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 300 | Pooled Separate Account | — | $34K | $1.7M | 0.5% | |
| Vanguard Inflation Protected Securities Admiral Fund | — | — | $66K | $1.5M | 0.4% | |
| American Funds 2010 Target Date Fund R6 | — | — | $87K | $1.0M | 0.3% | |
| American Funds 2015 Target Date Fund R6 | — | — | $67K | $816K | 0.2% | |
| Schwab SDB Roth Accounts - | — | — | — | $176K | <0.1% |