Original filing (PDF)20251015150458NAL0004939073001

SOUTH JERSEY INDUSTRIES, INC.

Name: SOUTH JERSEY INDUSTRIES, INC. — SOUTH JERSEY INDUSTRIES, INC. RETIREMENT PLAN FOR ELIZABETHTOWN AND ELKTON GAS EMPLOYEES, Form 5500 (2024)
Creator: SOUTH JERSEY INDUSTRIES, INC.

Form 5500

FILING_RECEIVED

SOUTH JERSEY INDUSTRIES, INC. RETIREMENT PLAN FOR ELIZABETHTOWN AND ELKTON GAS EMPLOYEES

Defined-benefit pension plan

Signals · 3

28% in single holdingNo recordkeeper disclosed7 service providers

Active participants

188

Accounts w/ balance

—

Plan assets (EOY)

$74.6M

Net assets (EOY)

$74.6M

How this plan invests

This plan

543 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Total plan cost

Vendor stack

Participation health

100

Knocking points off

Top holding "Vanguard Long Term Bond" is 28% of plan.
63 bps in Schedule C fees — 297% 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 SOUTH JERSEY INDUSTRIES, INC..

Plan sponsor

Name

SOUTH JERSEY INDUSTRIES, INC.

EIN

22-1901645

Address

1 SOUTH JERSEY PLAZA, RT. 54 · FOLSOM, NJ · 080379109

Phone

(609) 561-9000

Industry

Management of Companies / Holdingssee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

005

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

1A · Pay-related DB formula

1C · Cash balance or similar hybrid DB

3H · Sponsor in controlled / affiliated group

Audit & trust (Schedule H)

Auditor

BDO USA, P.C.

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

7 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
GREYSTONE CONSULTING	—	FLORHAM PARK, NJ	NONE	$171K	—
BANK OF AMERICA, NA	—	JACKSONVILLE, FL	NONE	$154K	—
WILLIS TOWERS WATSON, US LLC	53-0181291	—	NONE	$55K	—
BDO USA, P.C.	13-5381590	—	NONE	$40K	—
MATRIX TRUST COMPANY	75-3182674	—	NONE	$24K	—
POLSINELLI	—	PHILADELPHIA, PA	NONE	$18K	—
HOLLAND & KNIGHT	59-0663819	—	NONE	$12K	—

Investments

543 direct securities· $74.5M(100% of reported assets)

Uncategorized

$74.2M

542 holdings

Corporate Bonds

$278K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard Long Term Bond	—	—	$24.2M	$20.9M	27.9%
Lord Abbett Short Duration Income I	—	—	$12.3M	$11.7M	15.7%
Federated Hermes Mrgtg Str	—	—	$6.1M	$6.1M	8.2%
Vanguard Growth ETF	—	—	$1.3M	$3.3M	4.4%
Vanguard Value ETF	—	—	$2.2M	$3.1M	4.2%
Morgan Stanley Bank Deposit Program	—	—	$3.1M	$3.1M	4.1%
US Treasury When Issued Note/Bond 8/15/2034	—	—	$1.7M	$1.6M	2.2%
Shares Registered Investment Companies (continued) Vanguard FTSE Developed Markets ETF	—	—	$890K	$1.1M	1.5%
Federated Hrms Corp Bnd Str	—	—	$891K	$911K	1.2%
Registered Investment Companies Blackrock Fed Fund	—	—	$514K	$514K	0.7%
Microsoft Corporation	—	—	$274K	$490K	0.7%
US Treasury When Issued Note/Bond 8/15/2054	—	—	$443K	$416K	0.6%
US Treasury When Issued Note/Bond 5/15/2034	—	—	$439K	$415K	0.6%
US Treasury Note/Bond 5/15/2053	—	—	$438K	$412K	0.6%
Martin Currie Smash Ser Em	—	—	$435K	$392K	0.5%
Citigroup Inc 6/9/2027	—	—	$352K	$368K	0.5%
Federated Hrms Intl Bnd St P	—	—	$349K	$343K	0.5%
Amazon Com Inc	—	—	$213K	$307K	0.4%
US Bancorp 1/27/2033	—	—	$271K	$284K	0.4%
* Bank Of America Corp 11/24/2026	Corporate Bonds	—	$265K	$278K	0.4%
AT&T Inc 3/252026	—	—	$266K	$276K	0.4%
Bank Of America Corp 3/11/2027	—	—	$264K	$276K	0.4%
Goldman Sachs Group Inc 3/9/2027	—	—	$262K	$275K	0.4%
Goldman Sachs Group Inc 10/21/2027	—	—	$259K	$270K	0.4%
Brookfield Asset Management Inc CL A Voting Shs	—	—	$169K	$267K	0.4%
US Treasury When Issued Note/Bond 11/15/2034	—	—	$269K	$263K	0.4%
Shell Finance US Inc 4/6/2030	—	—	$254K	$257K	0.3%
Vanguard FTSE Emerging Market	—	—	$228K	$248K	0.3%
Accenture Capital Inc 10/4/2029	—	—	$252K	$245K	0.3%
Alphabet Inc CL A	—	—	$102K	$236K	0.3%
Sony Corp ADR New	—	—	$194K	$227K	0.3%
BP Cap Markets America 11/17/2034	—	—	$213K	$210K	0.3%
Equinor Asa 5/22/2030	—	—	$201K	$205K	0.3%
Philip Morris Intl Inc 2/13/2029	—	—	$201K	$202K	0.3%
Philip Morris Intl Inc 2/13/2034	—	—	$200K	$200K	0.3%
Oracle Corp 3/25/2026	—	—	$186K	$194K	0.3%
Astrazeneca PLC 8/6/2030	—	—	$176K	$182K	0.2%
Federated Hermes High Yield Strategy	—	—	$866K	$180K	0.2%
Maturity Par Date Rate (%) Government Agency Bonds and Notes US Treasury Note/Bond 7/31/2025	—	—	$170K	$178K	0.2%
JPMorgan Chase & Co 4/22/2027	—	—	$170K	$178K	0.2%
Taiwan Semiconductor-Sp ADR	—	—	$85K	$178K	0.2%
JPMorgan Chase & Co 9/22/2027	—	—	$168K	$175K	0.2%
Danaher Corp Del	—	—	$157K	$173K	0.2%
Blackrock Inc 1/28/2031	—	—	$165K	$170K	0.2%
Transdigm Group Inc	—	—	$75K	$160K	0.2%
Mastercard Inc A	—	—	$101K	$156K	0.2%
JPMorgan Chase & Co 11/8/2032	—	—	$151K	$155K	0.2%
Netflix Inc	—	—	$85K	$152K	0.2%
Visa Inc Class A Shares	—	—	$25K	$149K	0.2%
Alcon Inc	—	—	$126K	$146K	0.2%
Parker Hannifin Corp	—	—	$44K	$145K	0.2%
Ameriprise Financial Inc	—	—	$47K	$141K	0.2%
Astrazeneca Finance LLC 2/26/2029	—	—	$135K	$134K	0.2%
Amgen Inc 2/21/2030	—	—	$131K	$133K	0.2%
US Treasury Note/Bond 11/15/2051	—	—	$137K	$130K	0.2%
Citigroup Inc 11/3/2032	—	—	$122K	$126K	0.2%
Progressive Corp	—	—	$56K	$121K	0.2%
Michelin (Cgde) Unspon ADR	—	—	$117K	$118K	0.2%
CVS Health Corp 6/1/2029	—	—	$119K	$118K	0.2%
US Treasury Note/Bond 11/15/2052	—	—	$124K	$118K	0.2%
Intuit	—	—	$65K	$118K	0.2%
Safran Sa-Unspon ADR	—	—	$70K	$115K	0.2%
Cadence Design Systems Inc	—	—	$110K	$111K	0.1%
TotalEnergies SE	—	—	$115K	$107K	0.1%
BP Cap Markets America	—	—	$107K	$107K	0.1%
Vanguard Mid - Cap Growth Index	—	—	$53K	$104K	0.1%
Vanguard Mid-Cap Value Index	—	—	$65K	$103K	0.1%
Capital One Financial Corp Com	—	—	$44K	$102K	0.1%
Hilton Worldwide Holdings Inc	—	—	$45K	$102K	0.1%
Lennar Corp	—	—	$55K	$101K	0.1%
US Treasury Note/Bond 11/15/2027	—	—	$97K	$97K	0.1%
Corteva Inc	—	—	$48K	$96K	0.1%
KKR & Co Inc Cl A	—	—	$31K	$95K	0.1%
Lvmh Moet Hennessy Adr	—	—	$88K	$93K	0.1%
Unilever Plc Spon Adr New	—	—	$86K	$92K	0.1%
Erste Bk Der Oester Spar Adr	—	—	$58K	$91K	0.1%
Oracle Corp 4/1/2030	—	—	$89K	$91K	0.1%
Martin Marietta Materials	—	—	$37K	$88K	0.1%
Cameco Corp	—	—	$49K	$88K	0.1%
Haleon Plc Spon Ads	—	—	$69K	$86K	0.1%
Novo-Nordisk As	—	—	$34K	$86K	0.1%
Monotaro Co Ltd - Unsp ADR	—	—	$73K	$86K	0.1%
ING Groep N V	—	—	$60K	$86K	0.1%
HDFC Bank Ltd Adr	—	—	$81K	$85K	0.1%
Inditex-Unspon ADR	—	—	$50K	$85K	0.1%
Atmos Energy Corp	—	—	$66K	$84K	0.1%
US Treasury When Issued Note/Bond 11/30/2029	—	—	$84K	$84K	0.1%
Comcast Corp 6/1/2034	—	—	$85K	$84K	0.1%
AT&T Inc 2/1/2032	—	—	$81K	$84K	0.1%
Pan Pacific Intl Holdings Corp	—	—	$49K	$83K	0.1%
O Reilly Automotive Inc	—	—	$55K	$83K	0.1%
Saia Inc 798 Sandy Spring Bancorp Inc 888 Sap Aktiengesellschaft Adr	—	—	$41K	$83K	0.1%
Blackstone Inc	—	—	$60K	$83K	0.1%
Ansys Inc.	—	—	$77K	$83K	0.1%
US Bancorp - Del	—	—	$57K	$83K	0.1%
Adobe Inc	—	—	$84K	$82K	0.1%
Vanguard Small -Cap Gr ETF	—	—	$48K	$82K	0.1%
Tencent Holdings Ltd ADR	—	—	$68K	$82K	0.1%
Rpm International Inc	—	—	$55K	$82K	0.1%
Ecolab Inc	—	—	$78K	$82K	0.1%
Qualcomm	—	—	$49K	$81K	0.1%
Linde PLC	—	—	$46K	$80K	0.1%
London Stock Exchg-Unsp ADR	—	—	$38K	$78K	0.1%
Accenture PLC	—	—	$60K	$77K	0.1%
DBS Group Hldgs Ltd Spon ADR	—	—	$48K	$77K	0.1%
Mitsubishi UFJ Financial ADR	—	—	$36K	$73K	<0.1%
Vanguard Small Cap Value ETF	—	—	$45K	$73K	<0.1%
Pnc Financial Svc Group	—	—	$43K	$73K	<0.1%
Amgen Inc	—	—	$68K	$73K	<0.1%
Honeywell International	—	—	$72K	$71K	<0.1%
Otsuka Holdings Ltd	—	—	$45K	$71K	<0.1%
Thermo Fisher Scientific Inc	—	—	$78K	$71K	<0.1%
Roper Technologies Inc	—	—	$61K	$71K	<0.1%
Lowes Co Inc	—	—	$60K	$70K	<0.1%
Goldman Sachs Group Inc 7/21/2032	—	—	$67K	$70K	<0.1%
Copart Inc	—	—	$42K	$70K	<0.1%
Xylem	—	—	$51K	$70K	<0.1%
Coca Cola Europacific Partners PLC	—	—	$45K	$70K	<0.1%
Coterra EnerCoterra Energy Inc	—	—	$49K	$69K	<0.1%
Roche Hldg Ltd -Spons Adr	—	—	$63K	$68K	<0.1%
Ashtead Group PLC-Unspon ADR	—	—	$72K	$68K	<0.1%
American Water Works Co Inc	—	—	$73K	$68K	<0.1%
Shares Corporate Stocks - Common (continued) General Dynamics Corp	—	—	$39K	$68K	<0.1%
Shares Corporate Stocks - Common (continued) Charles Schwab Corporation	—	—	$54K	$67K	<0.1%
Teledyne Inc	—	—	$61K	$67K	<0.1%
Verizon Communications	—	—	$70K	$67K	<0.1%
Procter & Gamble Co	—	—	$53K	$67K	<0.1%
Credicorp Ltd	—	—	$63K	$67K	<0.1%
Xcel Energy Inc	—	—	$64K	$64K	<0.1%
Coca-Cola Company	—	—	$50K	$63K	<0.1%
Muenchener Rueck ADR	—	—	$30K	$63K	<0.1%
Diageo Plc Sposored Adr New	—	—	$65K	$62K	<0.1%
Merchants Bancorp/In 620 Merck & Company Inc	—	—	$58K	$61K	<0.1%
Zoetis Inc	—	—	$66K	$61K	<0.1%
Astrazeneca Plc Sponsored Adr	—	—	$64K	$60K	<0.1%
Canadian Pacific Kansas City Ltd	—	—	$62K	$60K	<0.1%
Microchip Technology	—	—	$56K	$60K	<0.1%
US Treasury Note 10/31/2029	—	—	$60K	$59K	<0.1%
Costar Group Inc	—	—	$64K	$59K	<0.1%
Aia Group Ltd Spon ADR	—	—	$75K	$59K	<0.1%
DSM-Firmenich Ag-Sp ADR	—	—	$64K	$58K	<0.1%
Assa Abloy Ab - Unsp ADR	—	—	$54K	$57K	<0.1%
Asml Holding Nv	—	—	$30K	$57K	<0.1%
American International Group	—	—	$57K	$56K	<0.1%
Nvidia Corp	—	—	$6K	$55K	<0.1%
Cullen Frost Bankers	—	—	$36K	$55K	<0.1%
Experian Group LTD - Spon ADR	—	—	$50K	$54K	<0.1%
Relx PLC - Spon ADR	—	—	$35K	$54K	<0.1%
Deutsche Telekom Ag Sponsored Adr	—	—	$34K	$54K	<0.1%
MSCI Inc	—	—	$43K	$53K	<0.1%
Equity Lifestyle Properties REIT	—	—	$52K	$51K	<0.1%
Symrise AG ADR	—	—	$57K	$51K	<0.1%
Schneider Elect Sa ADR	—	—	$46K	$51K	<0.1%
Rentokil Initial Plc Spon ADR	—	—	$64K	$51K	<0.1%
Heico Corp New Cl A	—	—	$37K	$50K	<0.1%
Constellation Brands Cl. A	—	—	$53K	$49K	<0.1%
Crh PLC	—	—	$28K	$48K	<0.1%
US Treasury Note/Bond 5/15/2033	—	—	$47K	$47K	<0.1%
Medtronic PLC	—	—	$59K	$47K	<0.1%
GSK PLC Spon ADR	—	—	$69K	$47K	<0.1%
Equinor Asa 4/6/2030	—	—	$45K	$46K	<0.1%
Tokyo Electron LTD Unsp ADR	—	—	$43K	$46K	<0.1%
Danone Spons ADR	—	—	$49K	$46K	<0.1%
Compass Group Plc-Spon ADR	—	—	$34K	$45K	<0.1%
Sea Ltd-ADR	—	—	$32K	$45K	<0.1%
Shopify Inc A	—	—	$26K	$45K	<0.1%
Hoya Corp-Sponsored ADR	—	—	$40K	$44K	<0.1%
Shares Corporate Stocks - Common (continued) Oshkosh Corp	—	—	$52K	$44K	<0.1%
Shares Corporate Stocks - Common (continued) Intesa Sanpaolo - Spon ADR	—	—	$32K	$43K	<0.1%
Argenx Se - ADR	—	—	$34K	$43K	<0.1%
Fanuc Ltd Unsp ADR	—	—	$56K	$42K	<0.1%
Ferrari NV	—	—	$36K	$41K	<0.1%
Daikin Industries-Unspon ADR	—	—	$53K	$41K	<0.1%
Gartner Inc	—	—	$39K	$41K	<0.1%
Commerce Bancshares	—	—	$30K	$41K	<0.1%
Akzo Nobel Sponsored ADR NV	—	—	$69K	$41K	<0.1%
Deutsche Boerse Ag Unspn ADR	—	—	$32K	$41K	<0.1%
Thomson Reuters Corp	—	—	$18K	$39K	<0.1%
Lloyds Banking Group PLC ADR	—	—	$42K	$39K	<0.1%
Atlas Copco Ab-Spons ADR A	—	—	$35K	$38K	<0.1%
L Oreal Co Adr	—	—	$26K	$38K	<0.1%
Icici Bank Ltd - Spon Adr	—	—	$22K	$37K	<0.1%
Tokio Marine Holdings Inc	—	—	$39K	$37K	<0.1%
Magna Int'l Inc.	—	—	$58K	$37K	<0.1%
Heineken NV - Spn Adr	—	—	$50K	$36K	<0.1%
Kubota Corp ADR	—	—	$57K	$36K	<0.1%
Alibaba Group Holding-Sp ADR	—	—	$60K	$34K	<0.1%
Givaudan Unspon ADR	—	—	$20K	$34K	<0.1%
Abb Ltd Spons ADR	—	—	$36K	$34K	<0.1%
Moody's Corp	—	—	$22K	$34K	<0.1%
Vulcan Matls Co	—	—	$32K	$33K	<0.1%
Banco Bilbao Vizcaya ADR	—	—	$37K	$33K	<0.1%
Electric De Portugal	—	—	$48K	$32K	<0.1%
Olympus Corp - ADR	—	—	$42K	$32K	<0.1%
Icon Plc	—	—	$48K	$31K	<0.1%
Broadcom Ltd	—	—	$32K	$31K	<0.1%
Airbnb Inc Class A	—	—	$31K	$30K	<0.1%
Brambles Ltd-Sponsored ADR	—	—	$20K	$29K	<0.1%
Publicis Groupe Adr	—	—	$30K	$29K	<0.1%
Straumann Holding Ag-Uns ADR	—	—	$30K	$28K	<0.1%

Showing top 200 of 543 investments by value.