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Original filing (PDF)20251013112007NAL0000529299001
K & D
Form 5500
FILING_RECEIVED
K & D MANAGEMENT 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~130 bps in Sched C fees
Active participants
311
Accounts w/ balance
108
Plan assets (EOY)
$3.2M
Net assets (EOY)
$3.2M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 130 bps in Schedule C fees — 150% above peer band of 52 bps.
- Only 35% 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 K & D.
Plan sponsor
Name
K & D
EIN
27-4860782
Address
4420 SHERWIN RD · WILLOUGHBY, OH · 44094
Phone
(440) 946-3600
Industry
All Other Professional Services· 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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CORBETS & ASSOCIATES
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $29K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MARCUM WEALTH LLC | — | MAYFIELD VILLAGE, OH | INVESTMENT ADVISOR | $10K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $2K | — |
Investments
29 direct securities· $3.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2025 Inv Registered Investment Company | — | — | — | $621K | 19.6% | |
| Vanguard Target Retirement 2035 Inv Registered Investment Company | — | — | — | $526K | 16.6% | |
| Vanguard Target Retirement 2045 Inv Registered Investment Company | — | — | — | $431K | 13.6% | |
| Vanguard Target Retirement 2030 Inv Registered Investment Company | — | — | — | $175K | 5.5% | |
| Empower Annuity Insurance Co of America Key Guaranteed Portfolio Fund | — | — | — | $159K | 5.0% | |
| Vanguard Developed Markets Index Admiral Registered Investment Company | — | — | — | $148K | 4.7% | |
| Vanguard Growth Index Adm Registered Investment Company | — | — | — | $97K | 3.1% | |
| American Funds American Balanced – R6 Registered Investment Company | — | — | — | $94K | 3.0% | |
| JP Morgan U.S. Value R6 Registered Investment Company | — | — | — | $92K | 2.9% | |
| Vanguard Large Cap Index Adm Registered Investment Company | — | — | — | $90K | 2.9% | |
| Participant loans 4.25-9.5% | — | — | — | $82K | 2.6% | |
| Vanguard Value Index Adm Registered Investment Company | — | — | — | $78K | 2.5% | |
| Vanguard Small Cap Index Adm Registered Investment Company | — | — | — | $77K | 2.4% | |
| Vanguard Total Bond Market Index Admiral Registered Investment Company | — | — | — | $75K | 2.4% | |
| Vanguard Target Retirement 2050 Inv Registered Investment Company | — | — | — | $62K | 2.0% | |
| Vanguard Target Retirement 2040 Inv Registered Investment Company | — | — | — | $61K | 1.9% | |
| Schwab Select Large Cap Gr Registered Investment Company | — | — | — | $54K | 1.7% | |
| Vanguard Mid Cap Index Fund – Admiral Registered Investment Company | — | — | — | $50K | 1.6% | |
| Vanguard Target Retirement 2055 Inv Registered Investment Company | — | — | — | $40K | 1.3% | |
| Vanguard Target Retirement 2070 Inv Registered Investment Company 176 DFA Emerging Markets Core Equity I Registered Investment Company | — | — | — | $32K | 1.0% | |
| Vanguard Inflation-Protected Secs Adm Registered Investment Company | — | — | — | $28K | 0.9% | |
| Parties Identity of issue, borrower, lessor rate of interest, collateral, par or in or similar party maturity value Cost Current Value Interest Vanguard Target Retirement Income Inv Registered Investment Company | — | — | — | $27K | 0.9% | |
| MFS International Diversification R6 Registered Investment Company | — | — | — | $22K | 0.7% | |
| Vanguard Real Estate Index Admiral Registered Investment Company | — | — | — | $15K | 0.5% | |
| Vanguard Target Retirement 2065 Inv Registered Investment Company | — | — | — | $10K | 0.3% | |
| Vanguard Target Retirement 2020 Inv Registered Investment Company | — | — | — | $7K | 0.2% | |
| Pioneer Strategic Income K Registered Investment Company | — | — | — | $6K | 0.2% | |
| Vanguard Target Retirement 2060 Inv Registered Investment Company | — | — | — | $3K | <0.1% | |
| Guggenheim Total Return Bond R6 Registered Investment Company | — | — | — | $1K | <0.1% |
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