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Original filing (PDF)20251001123518NAL0012619169001
GARDINER SERVICE COMPANY
Form 5500
FILING_RECEIVED
GARDINER SERVICE COMPANY PROFIT SHARING & SAVINGS PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
256
Accounts w/ balance
295
Plan assets (EOY)
$39.1M
Net assets (EOY)
$39.1M
How this plan invests
This plan
1 pooled trust
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
Helping the score
- Below-peer total fees (6 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GARDINER SERVICE COMPANY.
Plan sponsor
Name
GARDINER SERVICE COMPANY
EIN
34-0901876
Address
31200 BAINBRIDGE ROAD, BOX 39280 · SOLON, OH · 44139
Phone
(440) 248-3400
Industry
Plumbing, Heating, AC Contractors· Constructionsee 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
2025-10-01
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
COHEN & COMPANY LTD.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $7K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ANCORA RETIREMENT PLAN ADVISORS | 23-2697799 | — | ADVISOR | $18K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
32 direct securities · 1 pooled fund· $39.1M(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.
Uncategorized
$37.0M
32 holdings
Common Collective Trust
$2.1M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FID 500 INDEX Mutual Fund | — | — | — | $6.0M | 15.5% | |
| VANG TARGET RET 2030 Mutual Fund | — | — | — | $4.5M | 11.6% | |
| MFS GROWTH R6 Mutual Fund | — | — | — | $3.0M | 7.6% | |
| VANG TARGET RET 2035 Mutual Fund | — | — | — | $2.5M | 6.3% | |
| GG G RETIRE INC F35 GREAT GRAY TRUST COMPANY · EIN 20-5886387 / PN 082 | Common Collective Trust | — | — | $2.1M | 5.4% | |
| FID MID CAP IDX Mutual Fund | — | — | — | $1.9M | 4.9% | |
| AF BALANCED R6 Mutual Fund | — | — | — | $1.9M | 4.7% | |
| VANG SM CAP IDX ADM Mutual Fund | — | — | — | $1.8M | 4.6% | |
| AF NEW PERSPECT R6 Mutual Fund | — | — | — | $1.7M | 4.5% | |
| VANG TARGET RET 2050 Mutual Fund | — | — | — | $1.5M | 3.9% | |
| REGISTERED COMPANIES Common Stocks | — | — | — | $1.5M | 3.9% | |
| VANG TARGET RET 2040 Mutual Fund | — | — | — | $1.4M | 3.5% | |
| VANG TARGET RET 2025 Mutual Fund | — | — | — | $1.3M | 3.4% | |
| VANG WINDSOR II ADM Mutual Fund | — | — | — | $1.2M | 3.0% | |
| TCW MW TOT RTN BD P Mutual Fund | — | — | — | $1.1M | 2.9% | |
| VANG TARGET RET 2045 Mutual Fund | — | — | — | $1.1M | 2.7% | |
| MFS INTL EQUITY R6 Mutual Fund | — | — | — | $986K | 2.5% | |
| VANG TARGET RET 2055 Mutual Fund | — | — | — | $789K | 2.0% | |
| VANG TARGET RET 2060 Mutual Fund | — | — | — | $641K | 1.6% | |
| FKLN SM CAP VALUE R6 Mutual Fund | — | — | — | $624K | 1.6% | |
| PARTICIPANT LOANS Maturing through July 2032 $0 | — | — | — | $529K | 1.4% | |
| EXTERNAL MUTUAL FUNDS Mutual Fund | — | — | — | $248K | 0.6% | |
| FIDELITY MONEY MARKET FUND Mutual Fund | — | — | — | $243K | 0.6% | |
| VANG TARGET RET 2020 Mutual Fund | — | — | — | $201K | 0.5% | |
| FID INFL PR BD IDX Mutual Fund | — | — | — | $126K | 0.3% | |
| LD ABT DEV GRTH R6 Mutual Fund | — | — | — | $114K | 0.3% | |
| VANG TARGET RET 2065 Mutual Fund | — | — | — | $33K | <0.1% | |
| VANG TARGET RET INC Mutual Fund | — | — | — | $31K | <0.1% | |
| DWS R REAL ESTATE R6 Mutual Fund | — | — | — | $22K | <0.1% | |
| FIDELITY MUTUAL FUNDS Mutual Fund | — | — | — | $21K | <0.1% | |
| VANG TARGET RET 2070 Mutual Fund | — | — | — | $18K | <0.1% | |
| FID GOVT MMKT Mutual Fund | — | — | — | $4K | <0.1% | |
| AF CAP WORLD BOND R6 Mutual Fund | — | — | — | $2K | <0.1% |