Original filing (PDF)20250926143636NAL0010227264001

EFFINGHAM EQUITY

Name: EFFINGHAM EQUITY — EFFINGHAM EQUITY SAVINGS PLAN & TRUST, Form 5500 (2024)
Creator: EFFINGHAM EQUITY

Form 5500

FILING_RECEIVED

EFFINGHAM EQUITY SAVINGS PLAN & TRUST

401(k) retirement plan

Signals · 1

1 failed disclosure

Active participants

617

Accounts w/ balance

777

Plan assets (EOY)

$80.0M

Net assets (EOY)

$80.0M

How this plan invests

This plan

32 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

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 (4 bps vs 16 bps peer median).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EFFINGHAM EQUITY.

Plan sponsor

Name

EFFINGHAM EQUITY

EIN

37-0259470

Address

PO BOX 488 · EFFINGHAM, IL · 62401

Phone

(217) 342-4101

Industry

Farm Supplies Merchant Wholesalers· Wholesale 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

2025-09-26

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)

3H · Sponsor in controlled / affiliated group

3D · Pre-approved plan (master / prototype / VS)

2R · Participant-directed brokerage (SDBA)

Audit & trust (Schedule H)

Auditor

PLANTE MORAN, PLLC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$6K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
STRATEGIC ADVISORS, INC.	04-2654524	—	ADVISOR	$25K	—

Failed / refused disclosures (Sched C Part 2)

Provider	Nondisclosure info
—	—

Investments

32 direct securities· $80.0M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Fidelity FID GROWTH CO K6	—	—	—	$17.1M	21.4%
Fidelity FID 500 INDEX	—	—	—	$7.5M	9.3%
Fidelity FID OTC K6	—	—	—	$6.0M	7.5%
Fidelity FID FREEDOM 2030 K	—	—	—	$5.8M	7.2%
Fidelity FID FREEDOM 2040 K	—	—	—	$4.2M	5.2%
Fidelity FID FREEDOM 2035 K	—	—	—	$3.6M	4.5%
Fidelity FID FREEDOM 2045 K	—	—	—	$3.1M	3.8%
Fidelity FID FREEDOM 2055 K	—	—	—	$2.9M	3.7%
Columbia DIV INC A	—	—	—	$2.9M	3.6%
Fidelity FID FREEDOM 2050 K	—	—	—	$2.6M	3.2%
Fidelity FID FREEDOM 2025 K	—	—	—	$2.0M	2.5%
Fidelity FID LOW PRICED STK K	—	—	—	$1.9M	2.4%
Fidelity FID FREEDOM 2060 K	—	—	—	$1.9M	2.4%
Fidelity FID FREEDOM 2065 K	—	—	—	$1.9M	2.4%
Fidelity FID OVERSEAS K	—	—	—	$1.7M	2.1%
Fidelity FID FREEDOM 2020 K	—	—	—	$1.6M	2.0%
Fidelity FID TOTAL BOND K6	—	—	—	$1.6M	2.0%
Fidelity Money market fund - FID GOVT MMKT	—	—	—	$1.5M	1.8%
Fidelity FID INTL INDEX	—	—	—	$1.5M	1.8%
Fidelity FID MD CAP IDX	—	—	—	$1.4M	1.7%
Fidelity FID U.S. BOND IDX	—	—	—	$1.4M	1.7%
Wells Fargo WF SM CO GROWTH IS	—	—	—	$1.2M	1.5%
Fidelity FID SM CAP IDX	—	—	—	$887K	1.1%
Fidelity FID DIVERSIFIED INTL K6	—	—	—	$803K	1.0%
Fidelity FID FREEDOM 2010 K	—	—	—	$741K	0.9%
Fidelity FID EMERGING MKTS K	—	—	—	$702K	0.9%
Participants Participant notes receivable - At interest rates ranging from 5.25 to 10.50 percent -	—	—	—	$642K	0.8%
Fidelity FID FREEDOM INC K	—	—	—	$613K	0.8%
Various Self-directed brokerage account investments	—	—	—	$256K	0.3%
Fidelity FID FREEDOM 2015 K	—	—	—	$180K	0.2%
Wells Fargo WF SPL SM CAP VAL R6	—	—	—	$23K	<0.1%
Fidelity FID FREEDOM 2070 K	—	—	—	$23K	<0.1%