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Original filing (PDF)20251015155502NAL0010493218001
ATLANTIC TESTING LABORATORIES, LIMITED
Form 5500
FILING_RECEIVED
ATLANTIC TESTING LABORATORIES, LIMITED 401(K) RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
246
Accounts w/ balance
296
Plan assets (EOY)
$22.6M
Net assets (EOY)
$22.6M
How this plan invests
This plan
3 pooled trusts
Schedule D
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 57 bps in Schedule C fees — 98% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ATLANTIC TESTING LABORATORIES, LIMITED.
Plan sponsor
Name
ATLANTIC TESTING LABORATORIES, LIMITED
EIN
16-1109111
Address
6431 US HWY 11 · CANTON, NY · 136173979
Phone
(315) 386-4578
Industry
Engineering Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LUTZ, SELIG & ZERONDA, CPAS, L.L.P.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GOOD LIFE ADVISORS, LLC | 47-1058535 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $114K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LUTZ, SELIG AND ZERONDA | 14-1745230 | — | ACCOUNTANT | $16K | — |
Investments
36 direct securities · 3 pooled funds· $22.7M(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
$22.3M
36 holdings
Pooled Separate Account
$379K
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Identifies party-in-interest OF INVESTMENT COST VALUE BlackRock Lifepath Index 2040 K Fund Mutual Fund | — | — | — | $3.3M | 14.6% | |
| BlackRock Lifepath Index 2030 K Fund Mutual Fund | — | — | — | $2.6M | 11.5% | |
| BlackRock Lifepath Index 2045 K Fund Mutual Fund | — | — | — | $2.3M | 10.4% | |
| BlackRock Lifepath Index 2035 K Fund Mutual Fund | — | — | — | $1.6M | 7.0% | |
| Nuveen LargeCap Growth Index R6 Fund Mutual Fund | — | — | — | $1.4M | 6.4% | |
| BlackRock Lifepath Index Retirement K Fund Mutual Fund | — | — | — | $1.3M | 5.9% | |
| BlackRock Lifepath Index 2055 K Fund Mutual Fund | — | — | — | $1.1M | 4.8% | |
| Vanguard Federal Money Market Investor Fund Mutual Fund | — | — | — | $1.0M | 4.4% | |
| iShares S&P 500 Index K Fund Mutual Fund | — | — | — | $986K | 4.4% | |
| BlackRock Lifepath Index 2050 K Fund Mutual Fund | — | — | — | $973K | 4.3% | |
| Nuveen LargeCap Value Index R6 Fund Mutual Fund | — | — | — | $745K | 3.3% | |
| BlackRock Lifepath Index 2060 K Fund Mutual Fund | — | — | — | $678K | 3.0% | |
| Notes Receivable from Participants* (Interest Rates 4.25% - 9.50%) | — | — | — | $512K | 2.3% | |
| BlackRock Lifepath Index 2065 K Fund Mutual Fund | — | — | — | $509K | 2.3% | |
| Vanguard Developed Markets Index Admiral Fund Mutual Fund | — | — | — | $434K | 1.9% | |
| Macquarie MidCap Growth R6 Fund Mutual Fund | — | — | — | $315K | 1.4% | |
| Lord Abbett Short Duration Income R6 Fund Mutual Fund | — | — | — | $304K | 1.3% | |
| PGIM Jennison International Opportunities R6 Fund Mutual Fund | — | — | — | $279K | 1.2% | |
| PIMCO Income Institutional Fund Mutual Fund | — | — | — | $242K | 1.1% | |
| Vanguard Mid-Cap Value Index Admiral Fund Mutual Fund | — | — | — | $224K | 1.0% | |
| Fidelity Emerging Markets Index Fund Mutual Fund | — | — | — | $221K | 1.0% | |
| Vanguard Total Stock Market Index Admiral Fund Mutual Fund | — | — | — | $211K | 0.9% | |
| ClearBridge Large Cap Growth IS Fund Mutual Fund | — | — | — | $199K | 0.9% | |
| Vanguard Small Cap Growth Index Admiral Fund Mutual Fund | — | — | — | $199K | 0.9% | |
| Vanguard Mid-Cap Growth Index Admiral Fund Mutual Fund | — | — | — | $194K | 0.9% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $182K | 0.8% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $104K | 0.5% | |
| PRIN HIGH YIELD SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 137 | Pooled Separate Account | — | — | $93K | 0.4% | |
| (E) | — | — | — | $82K | 0.4% | |
| Vanguard Small Cap Value Index Admiral Fund Mutual Fund | — | — | — | $82K | 0.4% | |
| Fidelity Advisor Energy Z Fund Mutual Fund | — | — | — | $60K | 0.3% | |
| John Hancock Bond R6 Fund Mutual Fund | — | — | — | $49K | 0.2% | |
| Columbia Small-Cap Growth I3 Fund Mutual Fund | — | — | — | $42K | 0.2% | |
| (E) | — | — | $93K | $24K | 0.1% | |
| Vanguard International Value Investor Fund Mutual Fund | — | — | — | $24K | 0.1% | |
| Cohen & Steers Institutional Realty Shares Mutual Fund | — | — | — | $15K | <0.1% | |
| Identifies party-in-interest OF INVESTMENT COST VALUE Columbia Div Income I3 Fund Mutual Fund | — | — | — | $6K | <0.1% | |
| (E) | — | — | — | $3K | <0.1% | |
| iShares US Aggregate Bond Index K Fund Mutual Fund | — | — | — | $3K | <0.1% |