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Original filing (PDF)20251014170935NAL0004601792001
SEPAC, INC
Form 5500
FILING_RECEIVED
THE 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
147
Accounts w/ balance
119
Plan assets (EOY)
$10.7M
Net assets (EOY)
$10.7M
How this plan invests
This plan
1 pooled trust
Schedule D
37 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 49 bps in Schedule C fees — 70% 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 SEPAC, INC.
Plan sponsor
Name
SEPAC, INC
EIN
26-1344874
Address
1580 LAKE STREET · ELMIRA, NY · 14901
Phone
(607) 732-2030
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
2025-10-14
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
MENGEL, METZGER, BARR & CO, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHEMUNG CANAL TRUST COMPANY | 16-0380815 | — | NONE | $52K | — |
Investments
36 direct securities · 1 pooled fund· $10.7M(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
$10.1M
36 holdings
Common Collective Trust
$517K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Fund | — | — | — | $1.7M | 16.3% | |
| Vanguard Target Retirement 2035 | — | — | — | $1.7M | 16.0% | |
| Vanguard Total Bond Market Index | — | — | — | $618K | 5.8% | |
| Dodge & Cox Stock Fund | — | — | — | $591K | 5.5% | |
| Vanguard Target Retirement 2055 | — | — | — | $585K | 5.5% | |
| JPMorgan Large Cap Growth R6 | — | — | — | $537K | 5.0% | |
| FEDERATED CAPITAL PRESERVATION FUND FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $517K | 4.9% | |
| Fidelity Investments Money Market Funds - Govt Portfolio | — | — | — | $490K | 4.6% | |
| Putnam Large Cap Value Fund | — | — | — | $437K | 4.1% | |
| Vanguard Target Retirement 2045 | — | — | — | $360K | 3.4% | |
| Fidelity International Index | — | — | — | $333K | 3.1% | |
| Vanguard Target Retirement Income | — | — | — | $319K | 3.0% | |
| Vanguard Target Retirement 2065 | — | — | — | $243K | 2.3% | |
| Vanguard Target Retirement 2025 | — | — | — | $212K | 2.0% | |
| Vanguard S&P Mid-Cap 400 Index | — | — | — | $202K | 1.9% | |
| T Rowe Price Growth Stock Fund | — | — | — | $184K | 1.7% | |
| Interest rates of 5.25% - 10.50%, with varying maturing dates | — | — | — | $180K | 1.7% | |
| Blackrock Equity Dividend | — | — | — | $169K | 1.6% | |
| Fidelity Select Technology | — | — | — | $150K | 1.4% | |
| Vanguard Dividend Growth Fund | — | — | — | $148K | 1.4% | |
| Vanguard Ext Market Index | — | — | — | $137K | 1.3% | |
| Guggenheim Core Bond Fund Institutional | — | — | — | $127K | 1.2% | |
| Lord Abbett Short Duration Inc | — | — | — | $123K | 1.2% | |
| Dodge & Cox Income Fund | — | — | — | $97K | 0.9% | |
| American Century Small Cap Value | — | — | — | $93K | 0.9% | |
| Fidelity Advisor Small Cap Z | — | — | — | $82K | 0.8% | |
| Invesco Developing Markets | — | — | — | $77K | 0.7% | |
| Vanguard High Yield Corp | — | — | — | $55K | 0.5% | |
| Vanguard Small Cap Index | — | — | — | $48K | 0.5% | |
| Vanguard Long Term Govt Bond Index | — | — | — | $41K | 0.4% | |
| Vanguard Real Estate | — | — | — | $31K | 0.3% | |
| Vanguard Short Term Investment Grade | — | — | — | $16K | 0.2% | |
| Vanguard International Growth Fund | — | — | — | $9K | <0.1% | |
| Vanguard US Growth Fund | — | — | — | $3K | <0.1% | |
| Fidelity Small Cap Index | — | — | — | $2K | <0.1% | |
| Vanguard Interm Term Bond Index | — | — | — | $107 | <0.1% | |
| Vanguard Short Term Govt Bond Index | — | — | — | $42 | <0.1% |