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Original filing (PDF)20250915160327NAL0001313905001
LORAIN COUNTY PRINTING & PUBLISHING COMPANY
Form 5500
FILING_RECEIVED
LORAIN COUNTY PRINTING & PUBLISHING COMPANY 401(K) PLAN
401(k) retirement plan
Signals · 2
25% in single holding~124 bps in Sched C fees
Active participants
118
Accounts w/ balance
124
Plan assets (EOY)
$3.4M
Net assets (EOY)
$3.4M
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)
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
87
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "American Funds 2025 Trgt Date Retire R6 Mutual Fund" is 25% of plan.
- 124 bps in Schedule C fees — 139% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LORAIN COUNTY PRINTING & PUBLISHING COMPANY.
Plan sponsor
Name
LORAIN COUNTY PRINTING & PUBLISHING COMPANY
EIN
34-0365210
Address
225 EAST AVENUE · ELYRIA, OH · 44035
Phone
(440) 329-7105
Industry
Information / Tech / Mediasee 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
2025-09-15
Pension benefit codes
2A · Age/service weighted or new comparability
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BARNES WENDLING CPAS, INC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $25K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | — | SAN RAFAEL, CA | INVESTMENT ADVISOR | $14K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BARNES WENDLING CPAS INC | — | CLEVELAND, OH | AUDITOR | $2K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $821 | — |
Investments
29 direct securities· $3.4M(100% of reported assets)
Uncategorized
$3.3M
28 holdings
Mutual Funds
$97K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2025 Trgt Date Retire R6 Mutual Fund | — | — | — | $847K | 25.1% | |
| American Funds 2040 Trgt Date Retire R6 Mutual Fund | — | — | — | $560K | 16.6% | |
| Empower SecureFoundation Bal Instl Mutual Fund | — | — | — | $556K | 16.5% | |
| American Funds 2035 Trgt Date Retire R6 Mutual Fund | — | — | — | $336K | 9.9% | |
| American Funds 2045 Trgt Date Retire R6 Mutual Fund | — | — | — | $245K | 7.3% | |
| American Funds 2020 Trgt Date Retire R6 Mutual Fund | — | — | — | $226K | 6.7% | |
| American Funds 2030 Trgt Date Retire R6 Mutual Fund | — | — | — | $125K | 3.7% | |
| American Funds 2050 Trgt Date Retire R6 Mutual Fund | — | — | — | $106K | 3.1% | |
| American Century Small Cap Growth R6 Mutual Fund ** 560 American Funds 2015 Trgt Date Retire R6 Mutual Fund | Mutual Funds | — | — | $97K | 2.9% | |
| iShares S&P 500 Index K Mutual Fund | — | — | — | $48K | 1.4% | |
| American Funds 2060 Trgt Date Retire R6 Mutual Fund | — | — | — | $47K | 1.4% | |
| iShares MSCI Total International Index K Mutual Fund | — | — | — | $38K | 1.1% | |
| American Funds 2055 Trgt Date Retire R6 Mutual Fund | — | — | — | $37K | 1.1% | |
| American Funds American Balanced R6 Mutual Fund | — | — | — | $21K | 0.6% | |
| Empower Guaranteed Investment Contract * Key Guaranteed Portfolio Fund Guaranteed Investment Contract -0- | — | — | — | $18K | 0.5% | |
| iShares Russell Mid-Cap Index K Mutual Fund | — | — | — | $15K | 0.4% | |
| Invesco Core Bond R6 Mutual Fund | — | — | — | $11K | 0.3% | |
| Pioneer Bond K Mutual Fund | — | — | — | $8K | 0.2% | |
| American Funds New World R6 Mutual Fund | — | — | — | $8K | 0.2% | |
| iShares Russell 2000 Small-Cap Idx K Mutual Fund | — | — | — | $7K | 0.2% | |
| T. Rowe Price Large Cap Growth I Mutual Fund | — | — | — | $4K | 0.1% | |
| PGIM Global Real Estate R6 Mutual Fund | — | — | — | $3K | <0.1% | |
| Undiscovered MGRS Behavioral Value R6 Mutual Fund | — | — | — | $3K | <0.1% | |
| Empower T.Rowe Price Mid Cap Gr Inst Mutual Fund | — | — | — | $3K | <0.1% | |
| MFS Mid Cap Value R6 Mutual Fund | — | — | — | $2K | <0.1% | |
| PIMCO International Bond (USD-Hedged) Instl Mutual Fund | — | — | — | $1K | <0.1% | |
| PGIM High Yield R6 Mutual Fund | — | — | — | $1K | <0.1% | |
| PIMCO Income Instl Mutual Fund | — | — | — | $1K | <0.1% | |
| MFS Value R6 Mutual Fund | — | — | — | $1K | <0.1% |
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