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Original filing (PDF)20250813103734NAL0025312370001
SCOTT CARS, INC.
Form 5500
FILING_RECEIVED
SCOTT CARS, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Active participants
121
Accounts w/ balance
131
Plan assets (EOY)
$12.7M
Net assets (EOY)
$12.7M
How this plan invests
This plan
60 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
- 60 bps in Schedule C fees — 105% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SCOTT CARS, INC..
Plan sponsor
Name
SCOTT CARS, INC.
EIN
23-1892805
Address
3333 LEHIGH STREET · ALLENTOWN, PA · 18103
Phone
(610) 439-0700
Industry
Retail Tradesee 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
2025-08-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BOYER & RITTER LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-1592130 | COLUMBUS, OH | RECORDKEEPER | $28K | — |
| STALKER & ASSOCIATES, INC. | 23-2756743 | NEWTOWN, PA | RECORDKEEPER | $8K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL NETWORK | 04-2675571 | WALTHAM, MA | BROKER/ ADVISOR | $23K | — |
| PROACCOUNT | 73-0988442 | COLUMBUS, OH | INVESTMENT ADVISORY | $16K | — |
Investments
60 direct securities· $12.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund 376,462.49 shares N/A | — | — | — | $885K | 7.0% | |
| American Funds Target Retirement 2040 R6 Fund 404,687.94 shares N/A | — | — | — | $730K | 5.8% | |
| Vanguard Total Bond Market Adm Index 633,671.65 shares N/A | — | — | — | $703K | 5.6% | |
| American Funds Target Retirement 2050 R6 Fund 372,030.28 shares N/A | — | — | — | $682K | 5.4% | |
| Vanguard Total Stock Market Index Fund 205,216.72 shares N/A | — | — | — | $652K | 5.1% | |
| JPM Equity Income R5 Fund 280,225.00 shares N/A | — | — | — | $524K | 4.1% | |
| DFA US Vector Equity Inst. Port. Fund 383,199.79 shares N/A | — | — | — | $484K | 3.8% | |
| Fidelity Small Cap Growth Index 408,797.38 shares N/A | — | — | — | $483K | 3.8% | |
| Vanguard Target Retirement Income Fund 251,063.27 shares N/A | — | — | — | $416K | 3.3% | |
| JPM Mid Cap Growth Fund 213,547.39 shares N/A | — | — | — | $410K | 3.2% | |
| American Funds EuroPacific Growth R6 Fund 196,085.25 shares N/A | — | — | — | $399K | 3.2% | |
| American Funds Fundamental Investors R6 Fund 116,037.10 shares N/A | — | — | — | $350K | 2.8% | |
| PGIM Total Return Bond R6 Fund 312,520.70 shares N/A | — | — | — | $345K | 2.7% | |
| JPM Small Cap Equity R5 Fund 153,609.63 shares N/A | — | — | — | $331K | 2.6% | |
| MFS Growth R4 Fund 131,101.94 shares N/A | — | — | — | $330K | 2.6% | |
| Fidelity US Bond Index Fund 284,781.49 shares N/A | — | — | — | $296K | 2.3% | |
| American Funds Target Retirement 2035 R6 Fund 136,735.86 shares N/A | — | — | — | $278K | 2.2% | |
| American Funds Target Retirement 2045 R6 Fund 147,631.09 shares N/A | — | — | — | $269K | 2.1% | |
| PIMCO Real Return Institutional Fund 160,254.47 shares N/A | — | — | — | $263K | 2.1% | |
| American Funds Target Retirement 2030 R6 Fund 162,617.98 shares N/A | — | — | — | $259K | 2.0% | |
| American Funds Target Retirement 2055 R6 Fund 97,241.53 shares N/A | — | — | — | $178K | 1.4% | |
| Dodge Cox International Stock 99,863.06 shares N/A | — | — | — | $167K | 1.3% | |
| American Funds New Perspective R6 Fund 43,092.57 shares N/A | — | — | — | $167K | 1.3% | |
| Fidelity International Index Fund 119,643.01 shares N/A | — | — | — | $166K | 1.3% | |
| (b) Party (c) Par, or Maturity Value (d) Cost (e) Value REGISTERED INVESTMENT COMPANIES (CONTINUED) * Goldman Sachs GQGP Partner Int'l Opp. Fund 138,099.04 shares N/A | — | — | — | $165K | 1.3% | |
| Black Rock High Yield Bond Port. Class K Fund 119,828.64 shares N/A | — | — | — | $162K | 1.3% | |
| DFA International Small Co. Inst. Port. Fund 127,186.65 shares N/A | — | — | — | $158K | 1.2% | |
| Vanguard Wellesley Income Fund 74,561.83 shares N/A | — | — | — | $157K | 1.2% | |
| NOTES RECEIVABLE FROM PARTICIPANTS * Various participants Interest rates of 4.25 - 9.5% | — | — | — | $155K | 1.2% | |
| Nationwide Loomis All Cap Growth R6 Fund 55,772.73 shares N/A | — | — | — | $152K | 1.2% | |
| Avantis US Large Cap Value F 109,540.85 shares N/A | — | — | — | $146K | 1.2% | |
| JPM Large Cap Growth Fund 53,825.47 shares N/A | — | — | — | $144K | 1.1% | |
| Black Rock Total Return K Fund 130,629.59 shares N/A | — | — | — | $143K | 1.1% | |
| Avantis Emerging Markets Equity Fund 129,379.09 shares N/A | — | — | — | $131K | 1.0% | |
| Fidelity MidCap Index 73,800.99 shares N/A | — | — | — | $125K | 1.0% | |
| American Funds Target Retirement 2060 R6 Fund 62,078.20 shares N/A | — | — | — | $113K | 0.9% | |
| American Funds Target Retirement 2025 R6 Fund 71,392.54 shares N/A | — | — | — | $108K | 0.9% | |
| REGISTERED INVESTMENT COMPANIES * AB Global Bond Fund Class Z 79,250.10 shares N/A | — | — | — | $88K | 0.7% | |
| American Funds Growth Fd Am R6 Fund 13,459.29 shares N/A | — | — | — | $82K | 0.6% | |
| Fidelity Small Cap Value Index 65,549.43 shares N/A | — | — | — | $81K | 0.6% | |
| MFS Midcap Growth R6 Fund 46,042.03 shares N/A | — | — | — | $80K | 0.6% | |
| Diamond Hill Mid Cap Class I Fund 48,334.30 shares N/A | — | — | — | $79K | 0.6% | |
| Principal Global Real Estate R6 Fund 93,782.44 shares N/A | — | — | — | $79K | 0.6% | |
| Vanguard STAR Fund 53,551.50 shares N/A | — | — | — | $76K | 0.6% | |
| Federated Hermes Total Return Government Fund 71,233.25 shares N/A | — | — | — | $73K | 0.6% | |
| American Funds Target Retirement 2015 R6 Fund 50,239.10 shares N/A | — | — | — | $71K | 0.6% | |
| Legal & General Commodity Strategy Fund 65,166.15 shares N/A | — | — | — | $65K | 0.5% | |
| Vanguard Explorer Adm Fund 18,265.03 shares N/A | — | — | — | $48K | 0.4% | |
| Avantis US Small Cap Value Institutional Fund 33,873.69 shares N/A | — | — | — | $47K | 0.4% | |
| American Funds Target Retirement 2065 R6 Fund 24,948.51 shares N/A | — | — | — | $29K | 0.2% | |
| Vanguard Small Cap Growth Index Admiral Fund 11,689.80 shares N/A | — | — | — | $27K | 0.2% | |
| DFA Inflation Protected Securities Fund 22,425.62 shares N/A | — | — | — | $27K | 0.2% | |
| Federated Hermes Government Obligations Fund 22,881.83 shares N/A | — | — | — | $26K | 0.2% | |
| American Funds Target Retirement 2010 R6 Fund 10,611.71 shares N/A | — | — | — | $15K | 0.1% | |
| PGIM High Yield R6 Fund 9,437.83 shares N/A | — | — | — | $12K | <0.1% | |
| Vanguard Small Cap Value Index Admiral Fund 5,364.28 shares N/A | — | — | — | $11K | <0.1% | |
| Vanguard Target Retirement 2060 Fund 3,764.33 shares N/A | — | — | — | $8K | <0.1% | |
| Vanguard Short-Term Bond Index Admiral Fund 3,518.04 shares N/A | — | — | — | $4K | <0.1% | |
| Vanguard Target Retirement 2030 Fund 1,394.57 shares N/A | — | — | — | $4K | <0.1% | |
| Vanguard Target Retirement 2050 Fund 515.72 shares N/A | — | — | — | $2K | <0.1% |