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Original filing (PDF)20251014054323NAL0003203760001
BILL GRAYS, INC.
Form 5500
FILING_RECEIVED
BILL GRAY'S, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
31% in single holding
Active participants
266
Accounts w/ balance
307
Plan assets (EOY)
$12.3M
Net assets (EOY)
$12.3M
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)
88
/ 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
84
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "FID 500 IND" is 31% of plan.
- 46 bps in Schedule C fees — 59% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BILL GRAYS, INC..
Plan sponsor
Name
BILL GRAYS, INC.
EIN
16-0909818
Address
964 RIDGE RD · WEBSTER, NY · 14580
Phone
(585) 704-7633
Industry
Accommodation & Food 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MENGEL METZGER BARR & CO.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $35K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILMINGTON TRUST, NATIONAL ASSOCIAT | 16-1486454 | — | INVESTMENT/FINANCIAL ADVI | $22K | — |
Investments
27 direct securities · 1 pooled fund· $11.8M(96% 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.
Registered Investment Companies
$11.7M
27 holdings
Common Collective Trust
$84K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FID 500 IND | Registered Investment Companies | — | — | $3.7M | 30.3% | |
| PRINCIPAL BLUE CHIP FUND R6 | Registered Investment Companies | — | — | $1.7M | 14.1% | |
| MFS MID CAP GROWTH R6 | Registered Investment Companies | — | — | $700K | 5.7% | |
| AMERFUNDS 2060 TARG DATERET R6 | Registered Investment Companies | — | — | $699K | 5.7% | |
| AMERFUNDS 2050 TARG DATERET R6 | Registered Investment Companies | — | — | $654K | 5.3% | |
| AMERFUNDS 2065 TARG DATERET R6 | Registered Investment Companies | — | — | $648K | 5.3% | |
| AMERICAN FUNDS 2055 TARGET R6 | Registered Investment Companies | — | — | $594K | 4.8% | |
| AMF BOND FUND OF AMERICA R6 | Registered Investment Companies | — | — | $514K | 4.2% | |
| AMERFUNDS 2045 TARG DATERET R6 | Registered Investment Companies | — | — | $384K | 3.1% | |
| AMERFUNDS 2035 TARG DATERET R6 | Registered Investment Companies | — | — | $342K | 2.8% | |
| FID GLOBAL EX US INDEX | Registered Investment Companies | — | — | $223K | 1.8% | |
| AMERFUNDS 2040 TARG DATERET R6 | Registered Investment Companies | — | — | $205K | 1.7% | |
| VANG EQUITY INC ADM | Registered Investment Companies | — | — | $197K | 1.6% | |
| MFS INTL DIVERSIFICATION R6 | Registered Investment Companies | — | — | $147K | 1.2% | |
| AMERFUNDS 2030 TARG DATERET R6 | Registered Investment Companies | — | — | $142K | 1.2% | |
| AMERFUNDS 2020 TARG DATERET R6 | Registered Investment Companies | — | — | $136K | 1.1% | |
| MFS INTERNATIONAL GROWTH R6 | Registered Investment Companies | — | — | $129K | 1.0% | |
| AB SMALL CAP GROWTH PORT Z | Registered Investment Companies | — | — | $105K | 0.8% | |
| AMERFUNDS 2025 TARG DATERET R6 | Registered Investment Companies | — | — | $99K | 0.8% | |
| MORLEY STABLE VALUE - 25 I PRINCIPAL GLOBAL INV TRUST · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $84K | 0.7% | |
| MFS MID CAP VALUE FUND - R6 | Registered Investment Companies | — | — | $77K | 0.6% | |
| AMERFUNDS 2010 TARG DATERET R6 0 REGISTERED INVESTMENT COMPANY AMER FUNDS NEW PERSP R6 | Registered Investment Companies | — | — | $71K | 0.6% | |
| AMERFUNDS 2015 TARG DATERET R6 | Registered Investment Companies | — | — | $50K | 0.4% | |
| ALS SPECIAL SMALL CAP VALUE R6 | Registered Investment Companies | — | — | $48K | 0.4% | |
| VAN INTERNATIONAL VALUE - INV | Registered Investment Companies | — | — | $48K | 0.4% | |
| DFA REAL ESTATE SEC PORT INST | Registered Investment Companies | — | — | $35K | 0.3% | |
| FID INTERNATIONAL INDEX | Registered Investment Companies | — | — | $29K | 0.2% | |
| VANGUARD FEDERAL MM INV | Registered Investment Companies | — | — | $4K | <0.1% |
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