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Original filing (PDF)20251010145146NAL0008349889001
CUMBERLAND PLASTIC SYSTEMS, LLC
Form 5500
FILING_RECEIVED
CUMBERLAND PLASTIC SYSTEMS, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
~163 bps in Sched C fees
Active participants
169
Accounts w/ balance
154
Plan assets (EOY)
$3.5M
Net assets (EOY)
$3.5M
How this plan invests
This plan
1 pooled trust
Schedule D
43 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
- 163 bps in Schedule C fees — 214% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CUMBERLAND PLASTIC SYSTEMS, LLC.
Plan sponsor
Name
CUMBERLAND PLASTIC SYSTEMS, LLC
EIN
20-3703851
Address
4401 NORTHPARK DRIVE · OPELIKA, AL · 36801
Phone
(334) 821-5033
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
2025-10-10
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)
Audit & trust (Schedule H)
Auditor
HIMMELWRIGHT, HUGULEY & BOLES, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | RECORDKEEPER | $17K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE RETIREMENT ADVANTAGE, INC | 39-1816008 | — | TPA | $23K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| INVISTA ADVISORS | 63-1204395 | — | FINANCIAL SERVICES | $17K | — |
Investments
43 direct securities · 1 pooled fund· $6.6M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$3.5M
43 holdings
Pooled Separate Account
$3.2M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| POOLED SEPARATE ACCOUNTS NATIONWIDE LIFE INSURANCE COMPANY · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $3.2M | 90.8% | |
| American Funds Amfds Am Bal R6 a | — | — | — | $622K | 17.9% | |
| Allspring As Divrs Cap Bldr Inst a | — | — | — | $518K | 14.9% | |
| American Funds Amfds 2050 Trgtdtrtrmt R6 a | — | — | — | $338K | 9.7% | |
| Nationwide NW Fixed Select Option a | — | — | — | $318K | 9.2% | |
| Nuveen Lgcap Growth a | — | — | — | $189K | 5.5% | |
| American Funds Amfds 2055 Trgtdtrtrmt R6 a | — | — | — | $179K | 5.2% | |
| The Vanguard Group Vngrd Wlsly Inc Adml a | — | — | — | $154K | 4.4% | |
| American Funds Amfds 2030 Trgtdtrtrmt R6 a | — | — | — | $142K | 4.1% | |
| American Funds Amfds 2040 Trgtdtrtrmt R6 a | — | — | — | $107K | 3.1% | |
| American Funds Amfds 2045 Trgtdtrtrmt R6 a | — | — | — | $96K | 2.8% | |
| American Funds Amfds 2060 Trgtdtrtrmt R6 a | — | — | — | $90K | 2.6% | |
| The Vanguard Group Vngrd 500 Index FD As a 124 BlackRock Blkrk Is S P 500 Indx K a | — | — | — | $61K | 1.8% | |
| Col Inc Co Inc Bldr Inst2 a | — | — | — | $61K | 1.7% | |
| The Vanguard Group Vngrd Ttl Stmkt Indx FD A 16 The Vanguard Group Vngrd Val Indx Adml a | — | — | — | $53K | 1.5% | |
| American Funds Amfds Bd FD Am R6 a | — | — | — | $49K | 1.4% | |
| The Vanguard Group Vngrd Info Tech Indx a 2 The Vanguard Group Vngrd Realest Indx Adml a 625 Federated Investors Fed Hrms Gov Oblgins a 56 Franklin Templeton Investments Fnklnmsf Mut Shrs Z a | — | — | — | $39K | 1.1% | |
| American Funds Amfds Infl Lnkd Bd R6 a 12 Fidelity Investments Pionr Strat Inc Y a | — | — | — | $34K | 1.0% | |
| American Funds Amfds 2025 Trgtdtrtrmt R6 a | — | — | — | $33K | 1.0% | |
| Harbor Capital Harbor Mdcap Gr Insft a 9 Macquarie Mid Cap Growth a | — | — | — | $33K | 1.0% | |
| The Vanguard Group Vngrd Bal Indx Adml a | — | — | — | $33K | 1.0% | |
| The Vanguard Group Vngrd Smcap Gr Indx Adml a | — | — | — | $29K | 0.9% | |
| Dimensional Fund Advisors DFA Emrg Mkt Soccoreq a | — | — | — | $29K | 0.8% | |
| The Vanguard Group Vngrd LT Tisry Indx Admi a | — | — | — | $27K | 0.8% | |
| Dimensional Fund Advisors DFA Infl Prtct SEC Inst a | — | — | — | $26K | 0.7% | |
| BNY Mellon Bnymel Glbl Fxd Inc I a | — | — | — | $23K | 0.7% | |
| American Funds Amfds 2036 Trgtdtrtrmt R6 a | — | — | — | $21K | 0.6% | |
| International Equity Portfolio Hrdnglvner Inti EQ Inst a | — | — | — | $20K | 0.6% | |
| Fidelity Investments Fid 500 Indx a | — | — | — | $20K | 0.6% | |
| Dimensional Fund Advisors DFA Intl Cor EQ Inst a | — | — | — | $19K | 0.6% | |
| Dimensional Fund Advisors DFA Glbl EQ Inst a | — | — | — | $18K | 0.5% | |
| PGIM Investments Pgim Jnisn Natrl Rsrc R6 a | — | — | — | $17K | 0.5% | |
| The Vanguard Group Vngrd Mdcap Val Indx Adml a | — | — | — | $13K | 0.4% | |
| The Vanguard Group Vngrd Mid-Cap IDX FD As a | — | — | — | $9K | 0.3% | |
| The Vanguard Group Vngrd Smrcap Val Indx Adml a | — | — | — | $9K | 0.3% | |
| American Funds Amfds 2010 Trgtdtrtrmt R6 a | — | — | — | $6K | 0.2% | |
| Fidelity Investments Fid Lg Cap Gr Indx a | — | — | — | $6K | 0.2% | |
| Cohen & Steers Cohenstrs Realest SEC Ins a | — | — | — | $5K | 0.2% | |
| BlackRock Blkrk Infl Prtct Bd K a | — | — | — | $5K | 0.1% | |
| Fidelity Investments Fidelity New Millennium F a | — | — | — | $5K | 0.1% | |
| MFS MPS International Diversi a | — | — | — | $4K | 0.1% | |
| The Vanguard Group Vngrd Tel Intlstkindk Adm a | — | — | — | $3K | <0.1% | |
| Steward Stwrd Smmdcapenhcindx a 708 Janus Henderson Jnshndrsn Triton N a 158 JP Morgan JPM Smcap EQ R5 a | — | — | — | $2K | <0.1% | |
| Wells Fargo WF Prec Mils A | — | — | — | $2K | <0.1% |
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