Original filing (PDF)20251007211444NAL0012483458001

CUMMINGS RESOURCES, LLC

Name: CUMMINGS RESOURCES, LLC — CUMMINGS RESOURCES RETIREMENT SAVINGS PLAN, Form 5500 (2024)
Creator: CUMMINGS RESOURCES, LLC

Form 5500

FILING_RECEIVED

CUMMINGS RESOURCES RETIREMENT SAVINGS PLAN

401(k) retirement plan

Signals · 2

~84 bps in Sched C feesNo recordkeeper disclosed

Active participants

170

Accounts w/ balance

162

Plan assets (EOY)

$3.5M

Net assets (EOY)

$3.5M

How this plan invests

This plan

27 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

100

Concentration risk

100

Total plan cost

Vendor stack

Participation health

100

Knocking points off

84 bps in Schedule C fees — 61% above peer band of 52 bps.
No recordkeeper disclosed on Schedule C.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CUMMINGS RESOURCES, LLC.

Plan sponsor

Name

CUMMINGS RESOURCES, LLC

EIN

45-1683588

Address

15 CENTURY BLVD, STE 200 · NASHVILLE, TN · 37214

Phone

(615) 244-5555

Industry

Manufacturingsee 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

2025-10-07

Pension benefit codes

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

FORVIS MAZARS, LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
STANCORP FINANCIAL GROUP	93-1253576	—	NONE	$23K	—
LPL FINANCIAL CORPORATION RPCP	04-3046611	—	NONE	$6K	—

Investments

27 direct securities· $3.5M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
VANGUARD 500 INDEX F	—	1,573	—	$854K	24.5%
STANDARD STABLE ASSET A	—	14,656	—	$511K	14.7%
PGIM TOTAL RETURN BD Z	—	32,697	—	$386K	11.1%
JPMORGAN US EQTY R5	—	13,344	—	$333K	9.6%
HARTFORD SCHRODERS INTERNTL STK SDR	—	14,626	—	$258K	7.4%
VANGUARD GROWTH INDEX FD ADMIRAL	—	1,127	—	$238K	6.8%
VANGUARD VALUE INDEX ADMIRAL	—	2,502	—	$165K	4.7%
HOOD RIVER SM CAP GWTH RETIREMENT	—	1,403	—	$105K	3.0%
AMERICAN FDS TRGT DATE RET 2050 R6	—	3,995	—	$83K	2.4%
MFS MID CAP VALUE FD CL R6	—	2,504	—	$80K	2.3%
CARILLON EAGLE MID CAP GR FD CL I	—	717	—	$55K	1.6%
JPMORGAN LARGE CAP GROWTH R6	—	640	—	$54K	1.5%
AMERICAN FDS TRGT DATE RET 2045 R6	—	2,401	—	$51K	1.5%
AMERICAN FD 2055 TARGET DATE RET R6	—	1,480	—	$39K	1.1%
Participant Loans	—	—	—	$38K	1.1%
FIDELITY BALANCED FUND N/A	—	1,198	—	$35K	1.0%
VANGUARD SMALL CAP I	—	286	—	$33K	0.9%
AMERICAN FDS TRGT DATE RET 2035 R6	—	1,690	—	$32K	0.9%
AMERICAN FDS TRGT DATE RET 2030 R6	—	1,760	—	$30K	0.9%
AMERICAN FD 2060 TARGTDATE RTRMT R6	—	1,104	—	$20K	0.6%
AMERICAN FUNDS NEW PERSPECTIVE R6	—	318	—	$20K	0.6%
AMERICAN FDS TRGT DATE RET 2025 R6	—	819	—	$12K	0.4%
VANGUARD MID CAP INDEX FUND ADMIRAL	—	36	—	$12K	0.3%
AMERICAN FD 2065 TARGET RTRMT R6	—	669	—	$12K	0.3%
AMERICAN FUNDS TRGT DATE RET 2040 R6	—	523	—	$11K	0.3%
PGIM HIGH YIELD FUND Z	—	731	—	$3K	0.1%
AMERICAN FDS TRGT DATE RET 2020 R6	—	27	—	$367	<0.1%