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Original filing (PDF)20251013154955NAL0000796611002
INNOVATION ASSOCIATES, INC.
Form 5500
FILING_RECEIVED
INNOVATION ASSOCIATES 401(K)
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
530
Accounts w/ balance
475
Plan assets (EOY)
$27.3M
Net assets (EOY)
$27.3M
How this plan invests
This plan
1 pooled trust
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (17 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INNOVATION ASSOCIATES, INC..
Plan sponsor
Name
INNOVATION ASSOCIATES, INC.
EIN
16-1240697
Address
30 CHARLES STREET · BINGHAMTON, NY · 13905
Phone
(607) 798-9376
Industry
Manufacturingsee 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
2025-10-13
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
JOHNSON, LAUDER, & SAVIDGE, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RESOURCES INVESTMENT ADVISORS, LLC | 43-1451524 | — | NONE | $36K | — |
| NBT BANK, N.A. | 16-1268674 | — | NONE | $10K | — |
| CHARLES SCHWAB TRUST BANK | 82-3967259 | — | NONE | $0 | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
| EPIC RETIREMENT PLAN SERVICES | 16-1490952 | — | NONE | $0 | — |
Investments
30 direct securities · 1 pooled fund· $27.3M(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
$26.1M
29 holdings
Common Collective Trust
$776K
1 holding
Mutual Funds
$412K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JP Morgan Large Cap Growth | — | — | — | $4.1M | 14.9% | |
| Vanguard Total Stock Market Index Fund | — | — | — | $3.5M | 12.7% | |
| Blackrock Technology Opportunities | — | — | — | $2.7M | 9.7% | |
| T Rowe Price Retirement 2040 Fund | — | — | — | $2.3M | 8.5% | |
| T Rowe Price Retirement 2050 Fund | — | — | — | $2.3M | 8.2% | |
| Vanguard Mid Cap Index Fund | — | — | — | $1.4M | 5.0% | |
| T Rowe Price Retirement 2030 Fund | — | — | — | $1.3M | 4.9% | |
| T Rowe Price Retirement 2060 Fund | — | — | — | $1.2M | 4.4% | |
| Vanguard Balanced Index Fund | — | — | — | $1.0M | 3.7% | |
| Columbia Funds Dividend Income Fund | — | — | — | $828K | 3.0% | |
| CAPITAL PRESERVATION FUND FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $776K | 2.8% | |
| Fidelity International Index Fund ** 91 Fidelity Small Cap Stock Index | — | — | — | $675K | 2.5% | |
| American Funds EuroPacific Growth Fund | — | — | — | $664K | 2.4% | |
| T Rowe Price Retirement 2055 Fund | — | — | — | $540K | 2.0% | |
| DFA Emerging Markets Core Equity | — | — | — | $534K | 2.0% | |
| Vanguard Health Care Ind Fund | — | — | — | $507K | 1.9% | |
| from participants 2033, collateral is plan assets $ - | — | — | — | $437K | 1.6% | |
| Allspring Core Plus Bond Fund | Mutual Funds | — | — | $412K | 1.5% | |
| T Rowe Price Spectrum Moderate Allocation | — | — | — | $401K | 1.5% | |
| T Rowe Price Spectrum Mod. Growth Allocation | — | — | — | $387K | 1.4% | |
| T Rowe Price Retirement 2065 Fund | — | — | — | $286K | 1.0% | |
| T Rowe Price Retirement 2045 Fund | — | — | — | $279K | 1.0% | |
| T Rowe Price Retirement 2035 Fund | — | — | — | $257K | 0.9% | |
| T Rowe Price Retirement 2025 Fund | — | — | — | $226K | 0.8% | |
| T Rowe Price Retirement 2020 Fund | — | — | — | $192K | 0.7% | |
| T Rowe Price Retirement Balances Fund | — | — | — | $149K | 0.5% | |
| T Rowe Price Spectrum Conservative Allocation | — | — | — | $33K | 0.1% | |
| PIMCO Income Fund | — | — | — | $8K | <0.1% | |
| T Rowe Price Retirement 2015 Fund | — | — | — | $3K | <0.1% | |
| T Rowe Price Retirement 2010 Fund | — | — | — | $3K | <0.1% | |
| T Rowe Price Retirement 2005 Fund | — | — | — | $2K | <0.1% |
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