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Original filing (PDF)20251010151553NAL0008381617001
BETTE & CRING, LLC
Form 5500
FILING_RECEIVED
BETTE & CRING, LLC RETIREMENT PLAN & TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
163
Accounts w/ balance
280
Plan assets (EOY)
$53.7M
Net assets (EOY)
$53.7M
How this plan invests
This plan
2 pooled trusts
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 (9 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BETTE & CRING, LLC.
Plan sponsor
Name
BETTE & CRING, LLC
EIN
16-1562780
Address
22 CENTURY HILL DR. · STE 201 · LATHAM, NY · 12110
Phone
(518) 213-1010
Industry
Constructionsee 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
2025-10-10
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
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
TEAL, BECKER & CHIARAMONTE CPAS, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NBT BANK | 16-1268674 | — | NONE | $35K | — |
| TEAL, BECKER & CHIARAMONTE CPAS PC | 14-1624930 | — | NONE | $15K | — |
| CHARLES SCHWAB TRUST BANK | 82-3967259 | — | NONE | $0 | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
| EPIC RETIREMENT PLAN SERVICES | 16-1450952 | — | NONE | $0 | — |
Investments
30 direct securities · 2 pooled funds· $53.7M(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
$44.7M
30 holdings
Common Collective Trust
$8.9M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JPMorgan Large Cap Growth R5 Mutual Fund | — | — | — | $9.1M | 16.9% | |
| MORLEY STABLE VALUE FUND PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $8.9M | 16.6% | |
| Vanguard 500 Index Fund Admiral Shares Mutual Fund | — | — | — | $6.6M | 12.2% | |
| T. Rowe Retirement 2040 Fund Mutual Fund | — | — | — | $3.7M | 7.0% | |
| Janus Enterprise Fund Mutual Fund | — | — | — | $2.5M | 4.7% | |
| Vanguard Mid Cap Index Fund Admiral Shares Mutual Fund | — | — | — | $2.4M | 4.4% | |
| American Funds American Balanced Fund Mutual Fund | — | — | — | $2.2M | 4.1% | |
| Vanguard Small Cap Index Fund Admiral Shares Mutual Fund | — | — | — | $2.2M | 4.0% | |
| T. Rowe Price Health Sciences Fund Mutual Fund | — | — | — | $1.8M | 3.4% | |
| T. Rowe Price Dividend Growth Fund Mutual Fund | — | — | — | $1.7M | 3.1% | |
| Virtus Zevenbergen Tech Inst Mutual Fund | — | — | — | $1.5M | 2.8% | |
| American Funds Europacific Growth Fund Mutual Fund | — | — | — | $1.3M | 2.4% | |
| Dodge & Cox Income Fund Mutual Fund | — | — | — | $1.1M | 2.1% | |
| Columbia Dividend Income Fund Mutual Fund | — | — | — | $1.1M | 2.1% | |
| MFS Value Fund Mutual Fund | — | — | — | $982K | 1.8% | |
| Vanguard Total Stock Market Index Fund Admiral Shares Mutual Fund | — | — | — | $898K | 1.7% | |
| T. Rowe Retirement 2030 Fund Mutual Fund | — | — | — | $817K | 1.5% | |
| T. Rowe Retirement 2050 Fund Mutual Fund | — | — | — | $731K | 1.4% | |
| T. Rowe Price New Horizons Fund Mutual Fund | — | — | — | $697K | 1.3% | |
| T. Rowe Retirement 2020 Fund Mutual Fund | — | — | — | $688K | 1.3% | |
| American Funds New World Mutual Fund | — | — | — | $592K | 1.1% | |
| Vanguard Total International Stock Index Fund Admiral Shares Mutual Fund | — | — | — | $369K | 0.7% | |
| T. Rowe Price Retirement Balanced Fund FD Mutual Fund | — | — | — | $342K | 0.6% | |
| Notes receivable from participants 4.25% - 9.50% | — | — | — | $342K | 0.6% | |
| Columbia Mid Cap Value Fund Mutual Fund | — | — | — | $340K | 0.6% | |
| T. Rowe Retirement 2060 Fund Mutual Fund | — | — | — | $271K | 0.5% | |
| Pimco Real Return Fund Class A Mutual Fund | — | — | — | $212K | 0.4% | |
| Vanguard GNMA Admiral Shares Mutual Fund | — | — | — | $203K | 0.4% | |
| T. Rowe Retirement 2010 Fund Mutual Fund | — | — | — | $32K | <0.1% | |
| Cash | — | — | — | $11K | <0.1% | |
| CAPITAL PRESERVATION FUND FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $10K | <0.1% | |
| T. Rowe Price Retirement Balanced Fund FD ADV Mutual Fund | — | — | — | $3K | <0.1% |
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