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Original filing (PDF)20251015055627NAL0005483792001
E J STEWART INC.
Form 5500
FILING_RECEIVED
COMMONWEALTH SAVINGS PLAN
401(k) retirement plan
Signals · 1
~101 bps in Sched C fees
Active participants
766
Accounts w/ balance
190
Plan assets (EOY)
$3.8M
Net assets (EOY)
$3.8M
How this plan invests
This plan
13 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 101 bps in Schedule C fees — 93% above peer band of 52 bps.
- Only 25% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for E J STEWART INC..
Plan sponsor
Name
E J STEWART INC.
EIN
23-1735490
Address
1260 E. WOODLAND AVE., SUITE 220 · ATTN · SPRINGFIELD, PA · 19064
Phone
(610) 604-1428
Industry
Real Estatesee 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
2025-10-15
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MAILLIE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $30K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| M. HOLDINGS SECURITIES, INC. | 91-1802259 | — | INVESTMENT/FINANCIAL ADVI | $8K | — |
Investments
17 direct securities · 13 pooled funds· $3.6M(95% 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.
Common Collective Trust
$2.2M
13 holdings
Registered Investment Companies
$1.4M
17 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL LT HY 2030 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $506K | 13.4% | |
| PRINCIPAL LT HY 2055 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $493K | 13.0% | |
| PRINCIPAL LT HY 2025 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $322K | 8.5% | |
| FID 500 IND | Registered Investment Companies | — | — | $280K | 7.4% | |
| PRINCIPAL LT HY 2045 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $190K | 5.0% | |
| FID SMALL CAP INDEX | Registered Investment Companies | — | — | $182K | 4.8% | |
| PRINCIPAL LT HY 2035 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $178K | 4.7% | |
| VANGUARD FEDERAL MM INV | Registered Investment Companies | — | — | $174K | 4.6% | |
| PRINCIPAL LT HY 2040 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $166K | 4.4% | |
| FIDELITY ADVISOR TOTAL BOND Z | Registered Investment Companies | — | — | $157K | 4.1% | |
| PRINCIPAL LT HY 2050 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $144K | 3.8% | |
| PRINCIPAL LT HY 2020 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $122K | 3.2% | |
| VANGUARD DEV MKT INDEX ADMIRAL | Registered Investment Companies | — | — | $117K | 3.1% | |
| JPMORGAN LARGE CAP VALUE R6 | Registered Investment Companies | — | — | $99K | 2.6% | |
| PRI REAL ESTATE SECURITIES R6 | Registered Investment Companies | — | — | $79K | 2.1% | |
| MFS MID CAP GROWTH R6 | Registered Investment Companies | — | — | $66K | 1.8% | |
| FID INTL CAP APPRECIATION K6 | Registered Investment Companies | — | — | $64K | 1.7% | |
| PRINCIPAL LT HY 2060 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $49K | 1.3% | |
| PIM GLOB BD OPP USDHDG - INST 475 REGISTERED INVESTMENT COMPANY FID ADV EQUITY GROWTH - Z | Registered Investment Companies | — | — | $49K | 1.3% | |
| UNDISC MGRS BEHAVIORAL VAL R6 | Registered Investment Companies | — | — | $35K | 0.9% | |
| PRINCIPAL LT HY 2065 Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $25K | 0.7% | |
| VANGUARD MID CAP VALUE IND ADM | Registered Investment Companies | — | — | $22K | 0.6% | |
| STATE ST S&P MD CP IDX NL C STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 176 | Common Collective Trust | — | — | $21K | 0.5% | |
| AMC SMALL CAP GROWTH - R6 | Registered Investment Companies | — | — | $14K | 0.4% | |
| COLUMBIA OVERSEAS VALUE I3 | Registered Investment Companies | — | — | $8K | 0.2% | |
| PGIM HIGH YIELD FUND R6 | Registered Investment Companies | — | — | $4K | 0.1% | |
| AMERICAN FUNDS NEW WORLD R6 | Registered Investment Companies | — | — | $3K | <0.1% | |
| PRINCIPAL LT HY INC Z PRINCIPAL GLOBAL INV TRUST · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $3K | <0.1% | |
| PIMCO REAL RETURN FUND - INSTL | Registered Investment Companies | — | — | $3K | <0.1% | |
| MORLEY STABLE VALUE - 25 I PRINCIPAL GLOBAL INV TRUST · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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