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Original filing (PDF)20251014155723NAL0006771378001
PREFERRED MUTUAL INSURANCE COMPANY
Form 5500
FILING_RECEIVED
PREFERRED MUTUAL INSURANCE COMPANY RETIREMENT BENEFIT ACCUMULATION PLAN
Defined-benefit pension plan
Signals · 2
55% in single holdingNo recordkeeper disclosed
Active participants
239
Accounts w/ balance
—
Plan assets (EOY)
$50.1M
Net assets (EOY)
$49.4M
How this plan invests
This plan
20 pooled trusts
Schedule D
16 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
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Fidelity Institutional Asset Management Trust Company 8-10 Year Corporate Bond Commingled Pool" is 55% of plan.
- 53 bps in Schedule C fees — 233% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PREFERRED MUTUAL INSURANCE COMPANY.
Plan sponsor
Name
PREFERRED MUTUAL INSURANCE COMPANY
EIN
15-0420080
Address
ONE PREFERRED WAY · NEW BERLIN, NY · 134110000
Phone
(607) 847-6161
Industry
Finance & Insurancesee 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
2025-10-14
Pension benefit codes
1C · Cash balance or similar hybrid DB
Audit & trust (Schedule H)
Auditor
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY MANAGEMENT TRUST COMPANY | 04-2723880 | — | ADMINSTRATION/CUSTODY | $267K | — |
Investments
4 direct securities · 20 pooled funds· $79.4M(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.
Common Collective Trust
$49.2M
20 holdings
Uncategorized
$30.2M
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Institutional Asset Management Trust Company 8-10 Year Corporate Bond Commingled Pool | — | — | $26.3M | $27.2M | 54.3% | |
| FIAM 8-10 YR CORP BOND COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 155 | Common Collective Trust | — | — | $27.2M | 54.3% | |
| FIAM INSTITUTIONAL CASH COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 055 | Common Collective Trust | — | $7.2M | $7.2M | 14.4% | |
| FIAM LONG DURATION COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 053 | Common Collective Trust | — | $3.7M | $3.6M | 7.3% | |
| SPARTAN 500 INDEX POOL A GEODE CAPITAL MGMT TRUST CO · EIN 82-6293122 / PN 001 | Common Collective Trust | — | $1.8M | $2.6M | 5.1% | |
| SPARTAN WORLD MIN VOL INDEX POOL GEODE CAPITAL MGMT TRUST CO · EIN 82-6293122 / PN 016 | Common Collective Trust | — | $2.3M | $2.5M | 4.9% | |
| Fidelity Institutional Asset Management Trust Company Long Corporate Commingled Pool | — | — | $2.4M | $2.4M | 4.7% | |
| FIAM LONG CORP COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 187 | Common Collective Trust | — | — | $2.4M | 4.7% | |
| FIAM SMALL-MID CAP CORE COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 029 | Common Collective Trust | — | $529K | $538K | 1.1% | |
| FIAM EMERGING MKTS DEBT COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 022 | Common Collective Trust | — | $482K | $526K | 1.1% | |
| FIAM EMERGING MARKETS COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 032 | Common Collective Trust | — | $440K | $467K | 0.9% | |
| Fidelity Institutional Asset Management Trust Company Select Emerging Markets Equity Commingled Pool | — | — | $438K | $467K | 0.9% | |
| FIAM SELECT EMERG MKTS EQ COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 100 | Common Collective Trust | — | — | $467K | 0.9% | |
| FIAM INTERMEDIATE DURATION COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 014 | Common Collective Trust | — | $433K | $443K | 0.9% | |
| FIAM US REAL ESTATE TR COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 190 | Common Collective Trust | — | $381K | $403K | 0.8% | |
| SPARTAN DEVELOPED INTL INDEX POOL GEODE CAPITAL MGMT TRUST CO · EIN 82-6293122 / PN 006 | Common Collective Trust | — | $262K | $326K | 0.7% | |
| FIAM SMALL CAP CORE COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 008 | Common Collective Trust | — | $249K | $263K | 0.5% | |
| Fidelity Institutional Asset Management Trust Company Intermediate Inflation-Protected Cpmmingledf Pool | — | — | $248K | $246K | 0.5% | |
| FIAM INTER INFLATION PRO COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 104 | Common Collective Trust | — | — | $246K | 0.5% | |
| SPARTAN COMMODITY INDEX POOL GEODE CAPITAL MGMT TRUST CO · EIN 82-6293122 / PN 008 | Common Collective Trust | — | $69K | $69K | 0.1% | |
| FIAM HIGH YIELD BOND COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 013 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIAM SELECT INTL SMALL CAP COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 036 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIAM FLOATING RATE HIGH INC COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 058 | Common Collective Trust | — | — | $0 | <0.1% | |
| FIAM GLOBAL LOW VOL EQ COMM PL FID INST ASSET MGMT CO · EIN 20-4659714 / PN 145 | Common Collective Trust | — | — | $0 | <0.1% |