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Original filing (PDF)20250821110520NAL0004090273001
SAPPI NORTH AMERICA, INC.
Form 5500
FILING_RECEIVED
SAPPI NORTH AMERICA, INC. SALARIED INVESTMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
749
Accounts w/ balance
1,059
Plan assets (EOY)
$376.8M
Net assets (EOY)
$376.8M
How this plan invests
This plan
13 pooled trusts
Schedule D
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (4 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SAPPI NORTH AMERICA, INC..
Plan sponsor
Name
SAPPI NORTH AMERICA, INC.
EIN
23-2366983
Address
255 STATE STREET, 4TH FLOOR · BOSTON, MA · 02109
Phone
(617) 423-7300
Industry
Manufacturingsee 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
2025-08-21
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
3I · Requires investment in employer securities
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $78K | — |
| NEPC, LLC | 26-1429809 | — | NONE | $37K | — |
| CARON & BLETZER PLLC | 04-3499945 | — | NONE | $20K | — |
Investments
10 direct securities · 13 pooled funds· $374.9M(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
$191.7M
10 holdings
Common Collective Trust
$183.2M
13 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund Inst'l Shares " | — | — | — | $61.6M | 16.3% | |
| VFTC RETIREMENT SAVINGS TRUST III VANGUARD FIDUCIARY TRUST COMPANY · EIN 38-7041744 / PN 024 | Common Collective Trust | — | — | $39.6M | 10.5% | |
| Vanguard Windsor II Fund Admiral Shares " | — | — | — | $31.9M | 8.5% | |
| VFTC TARGET RET 2025 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $30.9M | 8.2% | |
| American Funds Growth Fund of America; R-6 " | — | — | — | $30.3M | 8.0% | |
| VFTC TARGET RET 2035 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $29.1M | 7.7% | |
| VFTC TARGET RET 2030 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $24.1M | 6.4% | |
| Vanguard Total Bond Market Index Fund Inst'l Shares " | — | — | — | $19.6M | 5.2% | |
| Vanguard Small-Cap Index Fund Institutional Shares " | — | — | — | $19.2M | 5.1% | |
| VFTC TARGET RET 2045 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $15.1M | 4.0% | |
| Vanguard Mid-Cap Index Fund Institutional Shares " | — | — | — | $14.6M | 3.9% | |
| VFTC TARGET RET 2040 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $10.9M | 2.9% | |
| VFTC TARGET RET 2050 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $9.8M | 2.6% | |
| American Funds EuroPacific Growth Fund; Class R-6 Mutual fund | — | — | — | $9.4M | 2.5% | |
| VFTC TARGET RET INCOME TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $7.7M | 2.1% | |
| VFTC TARGET RET 2055 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $5.4M | 1.4% | |
| VFTC TARGET RET 2020 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $5.3M | 1.4% | |
| VFTC TARGET RET 2060 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $3.7M | 1.0% | |
| Vanguard FTSE All-World ex-US Index Fund Admiral " | — | — | — | $3.7M | 1.0% | |
| VFTC TARGET RET 2065 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $1.6M | 0.4% | |
| PIMCO All Asset Fund - Institutional Shares " | — | — | — | $1.3M | 0.4% | |
| Vanguard Cash Reserves Federal MM Fund Admiral Shares " | — | — | — | $155K | <0.1% | |
| VFTC TARGET RET 2070 TR II VANGUARD FIDUCIARY TRUST COMPANY · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $83K | <0.1% |