Back to filter
Original filing (PDF)20250701105205NAL0012065121001
HEADWATER COMPANIES, LLC
Form 5500
FILING_RECEIVED
HEADWATER COMPANIES, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
851
Accounts w/ balance
1,031
Plan assets (EOY)
$60.8M
Net assets (EOY)
$60.8M
How this plan invests
This plan
20 pooled trusts
Schedule D
28 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
- 20 bps in Schedule C fees — modestly above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HEADWATER COMPANIES, LLC.
Plan sponsor
Name
HEADWATER COMPANIES, LLC
EIN
20-0319914
Address
9255 COVERDALE ROAD · FORT WAYNE, IN · 46809
Phone
(260) 827-5358
Industry
Wholesale 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
2025-07-01
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)
3H · Sponsor in controlled / affiliated group
Welfare benefit codes
4B · Life Insurance
Audit & trust (Schedule H)
Auditor
GJC CPA'S & ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $112K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GJC CPA'S & ADVISORS | 27-0475249 | — | ACCOUNTANT | $12K | — |
Investments
14 direct securities · 20 pooled funds· $64.9M(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.
Common Collective Trust
$54.0M
20 holdings
Uncategorized
$10.9M
14 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SSGA TARGET RET 2030 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 316 | Common Collective Trust | — | — | $8.4M | 13.8% | |
| SSGA TARGET RET 2025 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 315 | Common Collective Trust | — | — | $8.1M | 13.3% | |
| SSGA TARGET RET 2035 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 317 | Common Collective Trust | — | — | $5.8M | 9.6% | |
| SSGA TARGET RET 2045 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 319 | Common Collective Trust | — | — | $5.3M | 8.7% | |
| SSGA TARGET RET 2040 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 318 | Common Collective Trust | — | — | $5.1M | 8.3% | |
| LOOMIS SAYLES LG CP GR TR D FD LOOMIS SAYLES TRUST COMPANY LLC · EIN 84-6391546 / PN 012 | Common Collective Trust | — | — | $4.9M | 8.1% | |
| SSGA TARGET RET 2050 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 320 | Common Collective Trust | — | — | $2.9M | 4.8% | |
| SSGA TARGET RET 2055 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 325 | Common Collective Trust | — | — | $2.8M | 4.6% | |
| State Street Global Advisors S&P 500 Index Fund | — | — | — | $2.6M | 4.3% | |
| SSGA SP 500 IDX SEC LND SER II STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 078 | Common Collective Trust | — | — | $2.6M | 4.3% | |
| State Street Global Advisors State Street Target Retirement Income VI Fund | — | — | — | $1.7M | 2.7% | |
| SSGA TARGET RET INC VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 326 | Common Collective Trust | — | — | $1.7M | 2.7% | |
| State Street Global Advisors Russell Small/Mid Cap Index Fund | — | — | — | $1.3M | 2.2% | |
| SSGA RUSS SM MD CP IDX CL II STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 091 | Common Collective Trust | — | — | $1.3M | 2.2% | |
| Franklin Electric Co., Inc. Common Stock | — | — | — | $1.3M | 2.1% | |
| SSGA TARGET RET 2060 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 454 | Common Collective Trust | — | — | $1.2M | 2.0% | |
| T. Rowe Price Associates, Inc. Large Cap Value Fund | — | — | — | $1.1M | 1.8% | |
| INVESCO STABLE VALUE TR CLS B1 INVESCO NATIONAL TRUST CO · EIN 84-1142974 / PN 001 | Common Collective Trust | — | — | $1.0M | 1.7% | |
| SSGA TARGET RET 2020 VI FD STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 314 | Common Collective Trust | — | — | $975K | 1.6% | |
| Notes receivable (maturing 2025 to 2040 at interest * Various participants rates of 4.25% to 9.50%) — | — | — | — | $835K | 1.4% | |
| BLACKROCK TOTAL RET BOND L FD BLACKROCK INST TRUST CO · EIN 93-2706044 / PN 001 | Common Collective Trust | — | — | $773K | 1.3% | |
| Capital Research and Management Co EuroPacific Growth Fund | — | — | — | $734K | 1.2% | |
| Dimensional Fund Advisors Small Cap Value Fund | — | — | — | $453K | 0.7% | |
| State Street Global Advisors International Equity Index Fund | — | — | — | $377K | 0.6% | |
| SSGA GL AC EQ EXUS IDX SL II STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 444 | Common Collective Trust | — | — | $377K | 0.6% | |
| SSGA TARGET RET 2065 VI FD STATE STREET GLOBAL ADVISORS · EIN 32-6528132 / PN 049 | Common Collective Trust | — | — | $320K | 0.5% | |
| Meridian Growth Institutional Fund | — | — | — | $283K | 0.5% | |
| Metropolitan Life Insurance Co Stable Value Trust | — | — | — | $179K | 0.3% | |
| METLIFE SV FD SER 25053 CL 0 RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $179K | 0.3% | |
| STATE STREET US BD ID SL XIV STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 477 | Common Collective Trust | — | — | $114K | 0.2% | |
| Pacific Investment Management Company Diversified Real Asset Collective Trust | — | — | — | $114K | 0.2% | |
| PIMCO DIVERS REAL ASST COLL TR SEI TRUST COMPANY · EIN 27-0834899 / PN 035 | Common Collective Trust | — | — | $114K | 0.2% | |
| Allianz Life Insurance Company of North America Life Insurance Policies | — | — | — | $8K | <0.1% | |
| Genworth Life and Annuity Life Insurance Policies | — | — | — | $4K | <0.1% |