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Original filing (PDF)20251014143249NAL0003165777001
G & M OIL CO., INC.
Form 5500
FILING_RECEIVED
G & M OIL CO., INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
~90 bps in Sched C feesNo recordkeeper disclosed
Active participants
1,215
Accounts w/ balance
1,445
Plan assets (EOY)
$20.2M
Net assets (EOY)
$20.2M
How this plan invests
This plan
27 pooled trusts
Schedule D
17 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
- 90 bps in Schedule C fees — 212% 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 G & M OIL CO., INC..
Plan sponsor
Name
G & M OIL CO., INC.
EIN
33-0259692
Address
16868 A ST · HUNTINGTON BEACH, CA · 926474831
Phone
(714) 375-4700
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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
EIDE BAILLY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE BALDWIN GROUP WEALTH ADVISORS | 47-5476782 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $167K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN HANCOCK USA | 01-0233346 | — | RETAINNED BY EMPLOYER | $16K | — |
Investments
27 pooled funds· $14.9M(74% 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
$14.9M
20 holdings
Pooled Separate Account
$0
7 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| GG T ROWE PRICE RET 2040 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $1.2M | $3.2M | 15.6% | |
| GG T ROWE PRICE RET 2030 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $1.0M | $2.7M | 13.2% | |
| GG T ROWE PRICE RET 2050 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $604K | $1.6M | 7.8% | |
| GG T ROWE PRICE RET 2055 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $541K | $1.4M | 7.0% | |
| GG T ROWE PRICE RET 2060 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $508K | $1.3M | 6.6% | |
| GG T ROWE PRICE RET 2035 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $488K | $1.3M | 6.3% | |
| GG T ROWE PRICE RET 2045 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $344K | $899K | 4.4% | |
| GG T ROWE PRICE RET 2065 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $286K | $747K | 3.7% | |
| GG T ROWE PRICE RET 2020 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $249K | $651K | 3.2% | |
| GG T ROWE PRICE RET 2025 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $205K | $537K | 2.7% | |
| LARGE CAP GROWTH FUND II R1 GREAT GRAY TRUST · EIN 38-4139848 / PN 626 | Common Collective Trust | — | — | $226K | 1.1% | |
| WILMINGTON LG CAP VALUE FD R1 GREAT GRAY TRUST COMPANY · EIN 38-7264527 / PN 690 | Common Collective Trust | — | — | $178K | 0.9% | |
| GG T ROWE PRICE RET 2015 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $48K | $126K | 0.6% | |
| GG T ROWE PRICE RET 2010 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $23K | $61K | 0.3% | |
| MID CAP GROWTH FUND II R1 GREAT GRAY TRUST · EIN 38-7304118 / PN 001 | Common Collective Trust | — | — | $37K | 0.2% | |
| GG T ROWE PRICE RET 2005 R1 GREAT GRAY TRUST · EIN 38-7289841 / PN 001 | Common Collective Trust | — | $3K | $8K | <0.1% | |
| INTERNATIONAL GROWTH FD II R1 WILMINGTON TRUST, N.A. · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $4K | <0.1% | |
| PRIN LARGECAP GROWTH I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 066 | Pooled Separate Account | — | — | $0 | <0.1% | |
| EMERGING MARKETS R1 FUND GREAT GRAY TRUST COMPANY · EIN 86-1819869 / PN 672 | Common Collective Trust | — | — | $0 | <0.1% | |
| INTERNATIONAL GROWTH II R1 FD GREAT GRAY TRUST COMPANY · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $0 | <0.1% | |
| MID CAP GROWTH R1 FUND GREAT GRAY TRUST COMPANY · EIN 38-4126247 / PN 549 | Common Collective Trust | — | — | $0 | <0.1% | |
| PRIN EQUITY INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 120 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN CAPITAL APPR SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 119 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN SMCAP GROWTH I SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 070 | Pooled Separate Account | — | — | $0 | <0.1% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $0 | <0.1% |