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Original filing (PDF)20251001103216NAL0014103648001
ACCESS CIG
Form 5500
FILING_RECEIVED
ACCESS CIG, LLC 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Active participants
1,307
Accounts w/ balance
1,489
Plan assets (EOY)
$66.6M
Net assets (EOY)
$66.6M
How this plan invests
This plan
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 34 bps in Schedule C fees — 112% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ACCESS CIG.
Plan sponsor
Name
ACCESS CIG
EIN
20-0673169
Address
4 FIRST AVENUE · PEABODY, MA · 01960
Phone
(978) 504-7006
Industry
Transportation & Warehousingsee 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
2025-10-01
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
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $138K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KESTRA ADVISORY SERVICES LLC | — | AUSTIN, TX | INVESTMENT ADVISOR | $55K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $33K | — |
Investments
25 direct securities· $66.6M(100% of reported assets)
Uncategorized
$66.3M
24 holdings
Mutual Funds
$353K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2035 Target Date Retire R6 Mutual Fund | — | — | — | $7.8M | 11.7% | |
| American Funds 2045 Target Date Retire R6 Mutual Fund | — | — | — | $7.7M | 11.5% | |
| American Funds 2030 Target Date Retire R6 Mutual Fund | — | — | — | $7.1M | 10.7% | |
| American Funds 2040 Target Date Retire R6 Mutual Fund | — | — | — | $6.9M | 10.4% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $5.7M | 8.6% | |
| American Funds 2050 Target Date Retire R6 Mutual Fund | — | — | — | $5.2M | 7.9% | |
| American Funds 2055 Target Date Retire R6 Mutual Fund | — | — | — | $3.3M | 4.9% | |
| American Funds 2025 Target Date Retire R6 Mutual Fund | — | — | — | $3.0M | 4.5% | |
| Fidelity Large Cap Growth Index Mutual Fund | — | — | — | $2.6M | 3.9% | |
| Fixed Annuity Key Guaranteed Portfolio Fund Investment Contract, at * contract value | — | — | — | $2.6M | 3.8% | |
| Vanguard Mid Cap Index Fund - Admiral Mutual Fund | — | — | — | $1.8M | 2.7% | |
| Fidelity International Index Mutual Fund | — | — | — | $1.7M | 2.6% | |
| American Funds 2060 Target Date Retire R6 Mutual Fund | — | — | — | $1.7M | 2.6% | |
| Vanguard Total Bond Market Index Admiral Mutual Fund | — | — | — | $1.4M | 2.1% | |
| Participant Loans 4.25% - 9.50% - | — | — | — | $1.4M | 2.1% | |
| American Funds 2020 Target Date Retire R6 Mutual Fund | — | — | — | $1.3M | 2.0% | |
| BlackRock Emerging Mkts K Mutual Fund | — | — | — | $803K | 1.2% | |
| JPMorgan U.S. Value R6 Mutual Fund | — | — | — | $776K | 1.2% | |
| MFS InternationalGrowth R6 Mutual Fund | — | — | — | $693K | 1.0% | |
| Baird Aggregate Bond Inst Mutual Fund | — | — | — | $661K | 1.0% | |
| DFA U.S. Small Cap Fund Mutual Fund | — | — | — | $581K | 0.9% | |
| Principal SmallCap Value II Instl Mutual Fund | — | — | — | $501K | 0.8% | |
| DFA Real Estate Securities Fund I Mutual Fund | — | — | — | $497K | 0.7% | |
| Federated Hermes MDT Small Cap Growth Fund Mutual Fund | — | — | — | $450K | 0.7% | |
| American Funds 2015 Target Date Retire R6 Mutual Fund | Mutual Funds | — | — | $353K | 0.5% |
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