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Original filing (PDF)20251015142502NAL0006575344001
JOHN H. NORTHROP & ASSOCIATES, INC.
Form 5500
FILING_RECEIVED
JOHN H. NORTHROP & ASSOCIATES, INC. 401(K) SAFE HARBOR PLAN
401(k) retirement plan
Active participants
151
Accounts w/ balance
262
Plan assets (EOY)
$14.1M
Net assets (EOY)
$14.1M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 67 bps in Schedule C fees — 130% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for JOHN H. NORTHROP & ASSOCIATES, INC..
Plan sponsor
Name
JOHN H. NORTHROP & ASSOCIATES, INC.
EIN
31-1779787
Address
44414 PECAN CT STE 100 · CALIFORNIA, MD · 20619
Phone
(301) 866-2105
Industry
Engineering Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
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
BMSS, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $517 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RETIREMENT PLANOLOGY INC | — | ALEXANDRIA, VA | INVESTMENT ADVISOR | $2K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MATRIX TRUST COMPANY | 75-3182674 | DENVER, CO | NONE | $91K | — |
Investments
27 direct securities· $14.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund a | — | — | — | $2.3M | 16.5% | |
| PIMCO Realpath Blend 2040 Inst a | — | — | — | $2.1M | 15.0% | |
| PIMCO Realpath Blend 2025 Inst a | — | — | — | $1.9M | 13.8% | |
| PIMCO Realpath Blend 2030 Inst a | — | — | — | $1.5M | 10.8% | |
| PIMCO Realpath Blend Income Instl a | — | — | — | $1.4M | 9.8% | |
| PIMCO Realpath Blend 2035 Inst a | — | — | — | $950K | 6.7% | |
| PIMCO Realpath Blend 2050 Inst a | — | — | — | $657K | 4.7% | |
| PIMCO Realpath Blend 2045 Inst a | — | — | — | $530K | 3.8% | |
| PIMCO Realpath Blend 2055 Inst a | — | — | — | $514K | 3.7% | |
| Fidelity Advisor Total Bond Fund Class Z a | — | — | — | $285K | 2.0% | |
| Fidelity Mid Cap Index Fund a | — | — | — | $274K | 1.9% | |
| PIMCO Realpath Blend 2060 Inst a | — | — | — | $266K | 1.9% | |
| Fidelity International Index Fund a | — | — | — | $258K | 1.8% | |
| Fidelity U.S. Bond Index Fund a | — | — | — | $220K | 1.6% | |
| Franklin Templeton Putnam Large Cap Value Fund Class R6 a | — | — | — | $203K | 1.4% | |
| Participant loans Interest rates range from 5.25% to 9.50% -0- | — | — | — | $129K | 0.9% | |
| American Funds American Funds New World Fund Class R6 a | — | — | — | $107K | 0.8% | |
| PIMCO Realpath Blend 2065 Inst a | — | — | — | $93K | 0.7% | |
| Fidelity Small Cap Index Fund a | — | — | — | $72K | 0.5% | |
| MFS Growth Fund Class R6 a | — | — | — | $69K | 0.5% | |
| MFS Mid Cap Growth Fund Class R6 a | — | — | — | $59K | 0.4% | |
| Hartford Funds Hartford Schroders International Stk Class SDR a | — | — | — | $34K | 0.2% | |
| Empower Fixed Account - Series Class II a | — | — | — | $33K | 0.2% | |
| Franklin Templeton Franklin Small Cap Growth Fund Class R6 a | — | — | — | $21K | 0.1% | |
| Allspring Global Allspring Special Small Cap Value Fund Class R6 a | — | — | — | $15K | 0.1% | |
| Invesco Real Estate Fund Class R6 a | — | — | — | $8K | <0.1% | |
| PIMCO INT Bond (USD-Hedged) Inst a | — | — | — | $2K | <0.1% |