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Original filing (PDF)20251013143720NAL0000717347001
PINE PHARMACY AND HOME CARE PRODUCTS CENTER INC DBA PINE PHARMACY
Form 5500
FILING_RECEIVED
PINE COMPANIES 401(K) PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed6 service providers
Active participants
167
Accounts w/ balance
208
Plan assets (EOY)
$18.3M
Net assets (EOY)
$18.2M
How this plan invests
This plan
16 pooled trusts
Schedule D
67 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 40 bps in Schedule C fees — modestly 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 PINE PHARMACY AND HOME CARE PRODUCTS CENTER INC DBA PINE PHARMACY.
Plan sponsor
Name
PINE PHARMACY AND HOME CARE PRODUCTS CENTER INC DBA PINE PHARMACY
EIN
16-1252771
Address
355 RIVERWALK PKWY · TONAWANDA, NY · 14150
Phone
(716) 248-1025
Industry
Retail Tradesee 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
2A · Age/service weighted or new comparability
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)
2X · Other multiple-employer DC plan
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SKROBACZ & COMPANY, CPAS, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CADARET GRANT & COMPANY INC | — | — | INVESTMENT ADVISORY | $0 | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CADARET, GRANT AGENCY INC | — | SYRACUSE, NY | BROKER/ADVISO R | — | — |
TPA / Administrator
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $67K | — |
| RIMKUS, MARCIANO, & ASSOCIATES INC | 22-2725182 | — | CONTRACT ADMINISTRATOR | $6K | — |
| RIMKUS MARCIANO & ASSOCIATES INC. | — | ROCHESTER, NY | TPA | — | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORKDEEPER | — | — |
Investments
52 direct securities · 16 pooled funds· $24.1M(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
$14.8M
51 holdings
Common Collective Trust
$7.7M
11 holdings
Pooled Separate Account
$1.4M
5 holdings
Mutual Funds
$261K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments 500 Index Fund Mutual Fund | — | — | — | $5.3M | 28.8% | |
| PRIN LIFE TIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $1.8M | 9.8% | |
| PRIN LIFE TIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $1.8M | 9.6% | |
| Fidelity Instruments International IDX Fund Mutual Fund | — | — | — | $1.4M | 7.6% | |
| PRIN LIFE TIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $928K | 5.1% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $897K | 4.9% | |
| PRIN LIFETIME HYB 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $881K | 4.8% | |
| PRIN LIFE TIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $789K | 4.3% | |
| Fidelity 500 index | — | — | — | $749K | 4.1% | |
| PRIN LIFE TIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $696K | 3.8% | |
| American Funds Amer Target 2025 fund R6 808 American Funds Amer target 2030 fund r6 | — | — | — | $688K | 3.8% | |
| Dimensional Fund Advisors Global Equity I Fund Mutual Fund | — | — | — | $463K | 2.5% | |
| TIAA-CREF lrg cap growth | — | — | — | $429K | 2.3% | |
| PRIN LIFE TIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $397K | 2.2% | |
| Fidelity Investments Small Cap Index Fund Mutual Fund | — | — | — | $372K | 2.0% | |
| American Funds Amer target 2050 fund r6 | — | — | — | $365K | 2.0% | |
| Fidelity Mid Cap Index | — | — | — | $351K | 1.9% | |
| DFA US Vector Equity Prt inst | — | — | — | $349K | 1.9% | |
| American Funds Amer target 2040 fund R6 | — | — | — | $330K | 1.8% | |
| PGIM Investments Jennison Small Co. Fund Mutual Fund ** 223 Pimco Funds Global BD (USD-HDG) I Fund Mutual Fund ** 282 Pimco Funds Income Institutional Fund Mutual Fund | — | — | — | $317K | 1.7% | |
| PRIN MIDCAP GROWTH SEP ACCT-Z PRINCIPAL LIFE INSURACE COMPANY · EIN 42-0127290 / PN 021 | Pooled Separate Account | — | — | $307K | 1.7% | |
| Metlife series 25053 class 0 | — | — | — | $287K | 1.6% | |
| Vanguard sm cap val index | — | — | — | $273K | 1.5% | |
| Fidelity Instruments Mid Cap Index Fund Mutual Fund | — | — | — | $267K | 1.5% | |
| Vanguard value index | — | — | — | $266K | 1.5% | |
| The American Funds Europacific Gr Fund Mutual Fund | Mutual Funds | — | — | $261K | 1.4% | |
| Vanguard sm cap index fund | — | — | — | $250K | 1.4% | |
| Vanguard intl growth fund | — | — | — | $240K | 1.3% | |
| American Funds Amer Target 2015 fund r6 13 American Funds Amer Target 2020 fund R6 | — | — | — | $238K | 1.3% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $228K | 1.2% | |
| Vanguard Inter term bd idx | — | — | — | $216K | 1.2% | |
| PRIN LIFE TIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $204K | 1.1% | |
| The American Funds Amermut R6 Fund Mutual Fund | — | — | — | $198K | 1.1% | |
| PGIM Jennison Mid cap growth | — | — | — | $180K | 1.0% | |
| Lord Abbett Inf Focsd R6 Fund Mutual Fund | — | — | — | $157K | 0.9% | |
| PRIN CAPITAL APPR SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 119 | Pooled Separate Account | — | — | $142K | 0.8% | |
| Notes Receivable from Participants * Participant Loans Participant Loans with interest rates from 4.25% to 10.50% 0 | — | — | — | $137K | 0.7% | |
| Dimensional Fund Advisors US Targeted Value I Fund Mutual Fund | — | — | — | $135K | 0.7% | |
| Vanguard L-T invest grade | — | — | — | $104K | 0.6% | |
| Fidelity Investments US Bond Index Fund Mutual Fund | — | — | — | $88K | 0.5% | |
| American Funds Amercia Funds 2065 td 366 DFA US Large company | — | — | — | $77K | 0.4% | |
| MFS Investment Management Inv. Growth Stock Fnd Mutual Fund | — | — | — | $76K | 0.4% | |
| American Funds Amer Target 2010 Fund R6 0 | — | — | — | $61K | 0.3% | |
| Vanguard explorer fund | — | — | — | $60K | 0.3% | |
| DFA Global equity prt inst | — | — | — | $47K | 0.3% | |
| Participant Loans Participant loans | — | — | — | $40K | 0.2% | |
| Guaranteed Investment Account * Principal Life Insurance Company Principal Fixed Income Guarantee Option | — | — | — | $38K | 0.2% | |
| Charles Schwab fundmtl intl lg go idk | — | — | — | $38K | 0.2% | |
| Contributions Not VFCP and PTE Repayments are included: Corrected Outside Pending Correction Corrected 2002-51 VFCP in VFCP $28,598 - | — | — | — | $29K | 0.2% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $27K | 0.1% | |
| TIAA-CREF real estate | — | — | — | $27K | 0.1% | |
| The American Funds Newworld R6 Fund Mutual Fund | — | — | — | $24K | 0.1% | |
| PRIN MIDCAP VALUE 1 SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043 | Pooled Separate Account | — | — | $22K | 0.1% | |
| Cohen & Steers I Realty SH Fund Mutual Fund | — | — | — | $22K | 0.1% | |
| American Funds Amer target 2035 fund R6 | — | — | — | $19K | 0.1% | |
| American Funds Amer target 2055 fund r6 200 American Funds Amer target 2060 fund r6 | — | — | — | $14K | <0.1% | |
| Fidelity Multi Asset index | — | — | — | $14K | <0.1% | |
| Fidelity emerg mkts index | — | — | — | $14K | <0.1% | |
| Vanguard DEV mrkts indx | — | — | — | $11K | <0.1% | |
| Vanguard inf-prot secs | — | — | — | $10K | <0.1% | |
| American Funds Amer target 2045 fund r6 | — | — | — | $10K | <0.1% | |
| Pimco income fund inst | — | — | — | $8K | <0.1% | |
| American Funds Amercain Century Glbl Gold | — | — | — | $7K | <0.1% | |
| Vanguard balanced fund | — | — | — | $6K | <0.1% | |
| TIAA-CREF ITAA-CREF High yield fund | — | — | — | $6K | <0.1% | |
| Vanguard Wellesley Income | — | — | — | $1K | <0.1% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $342 | <0.1% | |
| PRIN LIFETIME HYB 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $38 | <0.1% |