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Original filing (PDF)20251006195146NAL0004139697001
PETERS HEATING & AIR CONDITIONING, INC.
Form 5500
FILING_RECEIVED
PETERS HEATING & AIR CONDITIONING, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
~78 bps in Sched C fees
Active participants
263
Accounts w/ balance
269
Plan assets (EOY)
$9.4M
Net assets (EOY)
$9.4M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 78 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PETERS HEATING & AIR CONDITIONING, INC..
Plan sponsor
Name
PETERS HEATING & AIR CONDITIONING, INC.
EIN
37-0892465
Address
4520 BROADWAY · QUINCY, IL · 62305
Phone
(217) 222-1368
Industry
Plumbing, Heating, AC Contractors· Constructionsee 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
2025-10-06
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
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
GRAY HUNTER STENN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPITAL GROUP RETIREMENT PLAN SERVI | 95-1411037 | IRVINE, CA | RECORDKEEPER | $21K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STIFEL NICOLAUS & CO INC | — | ST LOUIS, MO | INVESTMENT ADVISOR | $41K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILLIAMS BENEFIT CONSULTING, LLC | 46-1499818 | QUINCY, IL | CONTRACT ADMINISTRATOR | $12K | — |
Investments
29 direct securities· $9.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Growth Fund of America | — | — | — | $1.7M | 17.8% | |
| American Funds Investment Co of America | — | — | — | $1.2M | 12.6% | |
| American Funds 2045 Target Date Fund | — | — | — | $740K | 7.9% | |
| American Funds 2035 Target Date Fund | — | — | — | $696K | 7.4% | |
| Blackrock Large Cap Focus Growth | — | — | — | $625K | 6.6% | |
| American Funds New Perspective | — | — | — | $516K | 5.5% | |
| American Funds 2030 Target Date Fund | — | — | — | $489K | 5.2% | |
| Franklin Rising Dividends | — | — | — | $452K | 4.8% | |
| American Funds 2050 Target Date Fund | — | — | — | $438K | 4.7% | |
| American Funds 2060 Target Date Fund | — | — | — | $340K | 3.6% | |
| AMERICAN FUNDS AMERICAN MUTUAL R2 | — | — | — | $320K | 3.4% | |
| American Funds Europacific Growth | — | — | — | $286K | 3.0% | |
| American Funds 2055 Target Date Fund | — | — | — | $278K | 3.0% | |
| American Funds 2040 Target Date Fund | — | — | — | $239K | 2.5% | |
| American Funds New Economy | — | — | — | $206K | 2.2% | |
| American Funds 2065 Target Date Fund | — | — | — | $186K | 2.0% | |
| American Funds Capital World Gr & Inc | — | — | — | $181K | 1.9% | |
| AMERICAN FUNDS SMALLCAP WORLD R2 | — | — | — | $169K | 1.8% | |
| Participant Loans Rates range from 4.25% to 10.50% | — | — | — | $84K | 0.9% | |
| American Funds 2020 Target Date Fund | — | — | — | $79K | 0.8% | |
| American Funds International Gr & Inc | — | — | — | $55K | 0.6% | |
| Invesco Real Estate | — | — | — | $45K | 0.5% | |
| American Funds Short Term Bond of America | — | — | — | $32K | 0.3% | |
| American Funds New World | — | — | — | $25K | 0.3% | |
| American Funds US Government Securities 762 * American Funds US Govt Money Market | — | — | — | $21K | 0.2% | |
| American Funds 2010 Target Date Fund | — | — | — | $18K | 0.2% | |
| American Funds 2025 Target Date Fund | — | — | — | $18K | 0.2% | |
| American Funds 2015 Target Date Fund | — | — | — | $2K | <0.1% | |
| American Funds Bond Fund of America | — | — | — | $1K | <0.1% |