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Original filing (PDF)20250811075407NAL0006451715001
AMERICAN REFINING GROUP, INC.
Form 5500
FILING_RECEIVED
AMERICAN REFINING GROUP, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
29% in single holdingNo recordkeeper disclosed
Active participants
325
Accounts w/ balance
384
Plan assets (EOY)
$58.5M
Net assets (EOY)
$58.5M
How this plan invests
This plan
10 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
86
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard LifeStrat Growth Inv N/A" is 29% of plan.
- 23 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 AMERICAN REFINING GROUP, INC..
Plan sponsor
Name
AMERICAN REFINING GROUP, INC.
EIN
22-2318612
Address
55 ALPHA DRIVE WEST · THE LANDINGS 3RD FLR · PITTSBURGH, PA · 15238
Phone
(814) 368-1230
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
2025-08-11
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
3H · Sponsor in controlled / affiliated group
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
SCHNEIDER DOWNS & CO., INC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN HANCOCK | 01-0233346 | — | RETAINED BY EMPLOYER | $72K | — |
| UBS FINANCIAL SERVICES INC. | 13-2638166 | — | RETAINED BY EMPLOYER | $64K | — |
Investments
21 direct securities · 10 pooled funds· $58.3M(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.
Uncategorized
$39.3M
21 holdings
Common Collective Trust
$18.9M
10 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard LifeStrat Growth Inv N/A | — | — | — | $16.7M | 28.6% | |
| Vanguard LifeStrat Mod Grw N/A | — | — | — | $6.9M | 11.9% | |
| SSGA TARGET RETIREMENT 2035 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 271 | Common Collective Trust | — | — | $4.1M | 7.0% | |
| Vanguard 500 Index Signal N/A | — | — | — | $4.0M | 6.8% | |
| SSGA TARGET RETIREMENT 2045 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 273 | Common Collective Trust | — | — | $2.8M | 4.7% | |
| SSGA TARGET RETIREMENT 2040 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 272 | Common Collective Trust | — | — | $2.4M | 4.1% | |
| SSGA TARGET RETIREMENT 2050 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 274 | Common Collective Trust | — | — | $2.1M | 3.6% | |
| SSGA TARGET RETIREMENT 2030 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 270 | Common Collective Trust | — | — | $2.1M | 3.6% | |
| Vanguard LifeStrat Cons Gr N/A | — | — | — | $2.0M | 3.4% | |
| SSGA TARGET RETIREMENT 2025 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 269 | Common Collective Trust | — | — | $1.9M | 3.2% | |
| SSGA TARGET RETIREMENT 2055 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 423 | Common Collective Trust | — | — | $1.7M | 2.8% | |
| American Balanced Fund R6 N/A | — | — | — | $1.3M | 2.2% | |
| SSGA TARGET RETIREMENT 2060 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 420 | Common Collective Trust | — | — | $1.2M | 2.1% | |
| with various maturities through 2029 - | — | — | — | $1.1M | 1.9% | |
| MFS MA Inv Growth Stock Fd R3 N/A | — | — | — | $1.1M | 1.8% | |
| Vanguard Mid Cap Index Adm N/A | — | — | — | $975K | 1.7% | |
| American New Perspective R6 N/A | — | — | — | $928K | 1.6% | |
| Putnam Large Cap Value R6 N/A | — | — | — | $883K | 1.5% | |
| Vanguard Small Cap Index Adm N/A | — | — | — | $867K | 1.5% | |
| New York Life Stable Value Fund N/A | — | — | — | $825K | 1.4% | |
| SSGA TARGET RETIREMENT 2020 NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 268 | Common Collective Trust | — | — | $634K | 1.1% | |
| Vanguard Small Cap Growth Adm N/A | — | — | — | $397K | 0.7% | |
| International Equity HL Intl Equity Portfolio Inst N/A | — | — | — | $349K | 0.6% | |
| Vanguard LifeStrat Inc Inv Sh N/A | — | — | — | $260K | 0.4% | |
| Vanguard Emerging Markets Stock Idx Adm N/A | — | — | — | $222K | 0.4% | |
| Franklin Small Cap Value Adv N/A | — | — | — | $152K | 0.3% | |
| SSGA TARGET RETIREMENT INCOME NL D STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 265 | Common Collective Trust | — | — | $135K | 0.2% | |
| PIMCO Real Return Admin N/A | — | — | — | $124K | 0.2% | |
| Federated Inst High Yield Bd N/A | — | — | — | $116K | 0.2% | |
| PIMCO Total Return Fund N/A | — | — | — | $106K | 0.2% | |
| PIMCO International Bond (USD-Hdg) Instl N/A | — | — | — | $58K | <0.1% |
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