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Original filing (PDF)20250715142416NAL0003439856001
STURDY SAVINGS BANK
Form 5500
FILING_RECEIVED
STURDY SAVINGS BANK 401K RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
136
Accounts w/ balance
183
Plan assets (EOY)
$36.7M
Net assets (EOY)
$36.7M
How this plan invests
This plan
1 pooled trust
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Participation health
100
Helping the score
- Below-peer total fees (16 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for STURDY SAVINGS BANK.
Plan sponsor
Name
STURDY SAVINGS BANK
EIN
21-0605343
Address
9417 THIRD AVENUE · STONE HARBOR, NJ · 08247
Phone
(609) 463-9071
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-15
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
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALDEN CAPITAL MANAGEMENT INC | — | WAYNE, PA | INVESTMENT ADVISOR | $33K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CARON & BLETZER, PLLC | — | KINGSTON, NH | AUDITOR | $13K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA INVESTMENT ADVISERS LLC | — | EL SEGUNDO, CA | OTHER | $10K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $2K | — |
Investments
32 direct securities · 1 pooled fund· $58.0M(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.
Pooled Separate Account
$29.0M
1 holding
Uncategorized
$29.0M
32 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT 401 TALCOTT RESOLUTION LIFE INSURANCE COMPANY · EIN 06-0974148 / PN 000 | Pooled Separate Account | — | — | $29.0M | 79.0% | |
| American Funds Washington Mutual R3 " | — | — | — | $4.8M | 13.1% | |
| Franklin Growth A " | — | — | — | $2.5M | 6.9% | |
| JPMorgan SmartRetirement 2025 A " | — | — | — | $2.1M | 5.7% | |
| JPMorgan US Equity A " | — | — | — | $2.1M | 5.7% | |
| BlackRock S&P 500 Index V.I.III " | — | — | — | $1.9M | 5.2% | |
| Victory Sycamore Small Company Opp A " | — | — | — | $1.5M | 4.0% | |
| Victory Sycamore Established Value A " | — | — | — | $1.4M | 3.9% | |
| American Funds New Perspective R3 " | — | — | — | $1.4M | 3.8% | |
| JPMorgan SmartRetirement 2040 A " | — | — | — | $1.2M | 3.2% | |
| JPMorgan Core Bond A " | — | — | — | $1.2M | 3.1% | |
| PIMCO High Yield A " | — | — | — | $1.1M | 3.1% | |
| JPMorgan SmartRetirement 2045 A " | — | — | — | $920K | 2.5% | |
| MFS Government Securities R3 " | — | — | — | $905K | 2.5% | |
| American Funds Europacific Growth R3 Pooled separate account | — | — | — | $768K | 2.1% | |
| PGIM Jennison Mid-Cap Growth A " | — | — | — | $594K | 1.6% | |
| JPMorgan SmartRetirement 2030 A " | — | — | — | $564K | 1.5% | |
| Invesco Small Cap Growth A " | — | — | — | $549K | 1.5% | |
| Invesco Small Cap Equity A " | — | — | — | $482K | 1.3% | |
| JPMorgan SmartRetirement 2035 A " | — | — | — | $481K | 1.3% | |
| JPMorgan SmartRetirement 2050 A " | — | — | — | $407K | 1.1% | |
| Invesco Developing Markets A " | — | — | — | $392K | 1.1% | |
| Empower S&P Mid Cap 400 Index Inv " | — | — | — | $310K | 0.8% | |
| Janus Henderson Balanced S " | — | — | — | $297K | 0.8% | |
| JPMorgan US Government MMkt Instl " | — | — | — | $279K | 0.8% | |
| JPMorgan SmartRetirement 2020 A " | — | — | — | $264K | 0.7% | |
| JPMorgan SmartRetirement 2055 A " | — | — | — | $241K | 0.7% | |
| Empower International Index Fund " | — | — | — | $199K | 0.5% | |
| JPMorgan SmartRetirement 2060 A " | — | — | — | $63K | 0.2% | |
| Empower S&P Small Cap 600 Index " | — | — | — | $39K | 0.1% | |
| JPMorgan SmartRetirement Income A " | — | — | — | $29K | <0.1% | |
| BlackRock Equity Dividend Inv A " | — | — | — | $19K | <0.1% | |
| JPMorgan SmartRetirement 2065 A " | — | — | — | $6K | <0.1% |