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Original filing (PDF)20251001132658NAL0021043394001
CIPRIANI & WERNER, P.C.
Form 5500
FILING_RECEIVED
CIPRIANI & WERNER, P.C. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
374
Accounts w/ balance
314
Plan assets (EOY)
$49.9M
Net assets (EOY)
$49.7M
How this plan invests
This plan
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 40 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CIPRIANI & WERNER, P.C..
Plan sponsor
Name
CIPRIANI & WERNER, P.C.
EIN
25-1779527
Address
650 WASHINGTON ROAD · SUITE 700 · PITTSBURGH, PA · 15228
Phone
(412) 563-2500
Industry
Law Offices· Professional & Technical Servicessee 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
2025-10-01
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LALLY & CO.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL | 93-1253576 | — | NONE | $118K | — |
| FIRST NATIONAL TRUST COMPANY | 20-0433578 | — | NONE | $60K | — |
| CHARLES SCHWAB BANK | 42-1558009 | — | NONE | $14K | — |
| WILMINGTON TRUST NATIONAL ASSOC | 16-1486454 | — | NONE | $8K | — |
Investments
34 direct securities· $49.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JPMorgan Large Cap Growth Fund | — | — | — | $7.4M | 14.8% | |
| Vanguard 500 Index Adm Fund | — | — | — | $4.1M | 8.3% | |
| American Funds Target Date 2040 Fund | — | — | — | $3.9M | 7.7% | |
| Vanguard Growth Index Adm Fund | — | — | — | $3.6M | 7.2% | |
| American Funds Target Date 2030 Fund | — | — | — | $3.5M | 6.9% | |
| American Funds Target Date 2050 Fund | — | — | — | $3.4M | 6.8% | |
| American Funds Target Date 2035 Fund | — | — | — | $3.0M | 6.0% | |
| American Funds Target Date 2045 Fund | — | — | — | $2.4M | 4.8% | |
| Vanguard Equity Income Adm Fund | — | — | — | $2.1M | 4.1% | |
| American Funds Target Date 2025 Fund | — | — | — | $1.9M | 3.8% | |
| Standard Stable Asset A Fund - | — | — | — | $1.6M | 3.2% | |
| Vanguard Developing Mrkts Index Adm Fund | — | — | — | $1.3M | 2.6% | |
| Vanguard Intl Term Bond Idex Adm Fund | — | — | — | $1.3M | 2.6% | |
| American Funds American Balanced Fund | — | — | — | $1.2M | 2.5% | |
| American Funds Target Date 2020 Fund | — | — | — | $1.1M | 2.3% | |
| Neuberger Berman Mid Cap Growth | — | — | — | $1.1M | 2.2% | |
| American Funds Target Date 2055 Fund | — | — | — | $863K | 1.7% | |
| Charles Schwab Participant Directed Brokerage Account | — | — | — | $840K | 1.7% | |
| Goldman Sachs Int Small Cap Insig Fund I | — | — | — | $768K | 1.5% | |
| Fidelity Small Cap Index Fund | — | — | — | $767K | 1.5% | |
| Allspring Spec Mid Cap Value Fund | — | — | — | $511K | 1.0% | |
| Prudential High Yield Fund Z | — | — | — | $474K | 1.0% | |
| American Funds Target Date 2010 Fund | — | — | — | $454K | 0.9% | |
| Columbia Cont Core Instl 2 Fund | — | — | — | $444K | 0.9% | |
| PIMCO Inclm Fd Instl CL Fund | — | — | — | $378K | 0.8% | |
| Federated Intl Equity Instl Fund | — | — | — | $239K | 0.5% | |
| Franklin Small Cap Value Fund | — | — | — | $223K | 0.4% | |
| Columbia Mid Cap Index Instl Fund 2 | — | — | — | $222K | 0.4% | |
| American Funds Target Date 2060 Fund | — | — | — | $210K | 0.4% | |
| Vanguard Utilities Index Adm Fund | — | — | — | $183K | 0.4% | |
| Vanguard Real Estate Index Adm Fund | — | — | — | $183K | 0.4% | |
| Vanguard Wellesley Inc. Adm Fund | — | — | — | $136K | 0.3% | |
| Identity of Issuer, of Party Borrower, Lessor, Current Involved or Similar Party Description of Investment Cost Value Prudential Total Return Bond Fund Z | — | — | — | $133K | 0.3% | |
| American Funds Target Date 2015 Fund | — | — | — | $47K | <0.1% |
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