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Original filing (PDF)20251010114503NAL0007642849001
STERLING JEWELERS INC.
Form 5500
FILING_RECEIVED
SIGNET JEWELERS RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
24,148
Accounts w/ balance
11,417
Plan assets (EOY)
$742.1M
Net assets (EOY)
$742.1M
How this plan invests
This plan
19 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
65
Knocking points off
- 14 bps in Schedule C fees — 135% above peer band of 6 bps.
- No recordkeeper disclosed on Schedule C.
- Only 47% 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 STERLING JEWELERS INC..
Plan sponsor
Name
STERLING JEWELERS INC.
EIN
27-3967537
Address
375 GHENT ROAD · AKRON, OH · 44333
Phone
(330) 668-5000
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
2025-10-10
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
BOBER MARKEY FEDOROVICH & COMPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 84-0467907 | — | NONE | $903K | — |
| CAPFINANCIAL PARTNERS LLC DBA CAPTR | — | RALEIGH, NC | NONE | $118K | — |
| BOBER MARKEY FEDOROVICH & COMPANY | — | AKRON, OH | NONE | $22K | — |
| QDRO CONSULTANTS COMPANY, LLC | 34-1820650 | — | NONE | $1K | — |
Investments
12 direct securities · 19 pooled funds· $761.2M(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.
Common Collective Trust
$578.3M
19 holdings
Uncategorized
$182.9M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL LIFETIME HYBRID 2040 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $58.0M | 7.8% | |
| PRINCIPAL LIFETIME HYBRID 2035 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $53.9M | 7.3% | |
| PRINCIPAL LIFETIME HYBRID 2030 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $52.4M | 7.1% | |
| PRINCIPAL LIFETIME HYBRID 2050 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $49.9M | 6.7% | |
| NT S&P 500 INDEX NL-TIER 3 NORTHERN TRUST INVESTMENTS, INC · EIN 45-6138589 / PN 002 | Common Collective Trust | — | — | $49.8M | 6.7% | |
| PUTNAM STABLE VALUE FUND PUTNAM FIDUCIARY TRUST COMPANY, LLC · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $49.5M | 6.7% | |
| HARBOR CAPITAL APPRECIATION CIT HARBOR TRUST COMPANY, INC · EIN 84-4022934 / PN 001 | Common Collective Trust | — | — | $47.5M | 6.4% | |
| Dodge & Cox Balanced Fund Mutual Funds | — | — | — | $44.3M | 6.0% | |
| PRINCIPAL LIFETIME HYBRID 2045 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $42.9M | 5.8% | |
| PRINCIPAL LIFETIME HYBRID 2055 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $37.4M | 5.0% | |
| PRINCIPAL LIFETIME HYBRID 2025 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $37.0M | 5.0% | |
| American Beacon Large Cap Value Fund R6 Class Mutual Funds | — | — | — | $28.3M | 3.8% | |
| WILMINGTON TRUST MFS MID CAP VALUE WILMINGTON TRUST, N.A. · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $23.5M | 3.2% | |
| PRINCIPAL LIFETIME HYBRID 2060 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $20.1M | 2.7% | |
| Northern Trust S&P 400 Index Fund Tier 3 Common Collective Trust | — | — | — | $19.2M | 2.6% | |
| NT S&P MIDCAP 400 IDX DC NL T3 NORTHERN TRUST INVESTMENTS, INC · EIN 45-6138589 / PN 105 | Common Collective Trust | — | — | $19.2M | 2.6% | |
| American Funds EuroPacific Growth Fund Class R6 Mutual Funds | — | — | — | $16.2M | 2.2% | |
| PRINCIPAL LIFETIME HYBRID 2020 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $15.4M | 2.1% | |
| Fidelity Total Bond K6 Mutual Funds | — | — | — | $15.4M | 2.1% | |
| Participant notes receivable with repayment terms of 1 to 12 years * Participant notes receivable and interest from 4.25% to 9.50% - | — | — | — | $13.7M | 1.9% | |
| Vanguard Small Cap Index Fund Institutional Shares Mutual Funds | — | — | — | $10.8M | 1.5% | |
| Vanguard Explorer Fund Admiral Shares Mutual Funds | — | — | — | $9.6M | 1.3% | |
| Carillon Eagle Mid Cap Growth Fund R6 Mutual Funds | — | — | — | $9.5M | 1.3% | |
| American Beacon Small Cap Value Fund R6 Class Mutual Funds | — | — | — | $7.9M | 1.1% | |
| Vanguard FTSE Social Index Admiral Mutual Funds | — | — | — | $7.2M | 1.0% | |
| PRINCIPAL LIFETIME HYBRID 2065 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $6.0M | 0.8% | |
| PRINCIPAL LIFETIME HYBRID 2015 CIT PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $5.3M | 0.7% | |
| NT AGGREGATE BOND INDEX NL-TIER 3 NORTHERN TRUST INVESTMENTS, INC · EIN 45-6138589 / PN 088 | Common Collective Trust | — | — | $3.8M | 0.5% | |
| NT ACWI EX-US IMI-DC-NL-TIER 3 NORTHERN TRUST INVESTMENT, INC. · EIN 45-6138589 / PN 223 | Common Collective Trust | — | — | $3.5M | 0.5% | |
| PRINCIPAL LIFETIME HYBRID INCOME CI PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $3.2M | 0.4% | |
| Signet Jewelers Ltd Company Stock Fund Common Stock Fund | — | — | $178K | $816K | 0.1% |