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Original filing (PDF)20250828075213NAL0005407715001
ST TISSUE, LLC
Form 5500
FILING_RECEIVED
ST TISSUE, LLC RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
~89 bps in Sched C feesNo recordkeeper disclosed
Active participants
130
Accounts w/ balance
198
Plan assets (EOY)
$4.3M
Net assets (EOY)
$4.3M
How this plan invests
This plan
30 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
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 89 bps in Schedule C fees — 70% 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 ST TISSUE, LLC.
Plan sponsor
Name
ST TISSUE, LLC
EIN
45-4775997
Address
34050 UNION CAMP DRIVE · FRANKLIN, VA · 23851
Phone
(757) 304-5040
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
2025-08-28
Pension benefit codes
2S · Automatic enrollment
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $31K | — |
| MORGAN STANLEY GLOBAL | — | BALTIMORE, MD | NONE | $7K | — |
Investments
29 direct securities· $3.9M(90% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $639K | 14.7% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $638K | 14.7% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $380K | 8.8% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $378K | 8.7% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $314K | 7.2% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $217K | 5.0% | |
| Vanguard Growth Index Adm Vanguard 0 | — | — | — | $195K | 4.5% | |
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $192K | 4.4% | |
| Fidelity Total Market Index Fund Fidelity 0 | — | — | — | $189K | 4.4% | |
| Gabelli U.S. Treas Money Market I Gabelli 0 | — | — | — | $131K | 3.0% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $124K | 2.8% | |
| Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $113K | 2.6% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $67K | 1.5% | |
| Vanguard Value Index Adm Vanguard 0 | — | — | — | $51K | 1.2% | |
| Vanguard Target Retirement 2070 Fund Vanguard 0 | — | — | — | $44K | 1.0% | |
| Vanguard Mid-Cap Growth Index Adm Vanguard 0 | — | — | — | $44K | 1.0% | |
| Vanguard Small-Cap Growth Index Adm Vanguard 0 | — | — | — | $28K | 0.6% | |
| DFA Real Estate Securities Portfolio I DFA 0 | — | — | — | $26K | 0.6% | |
| Fidelity Emerging Markets Index Fidelity 0 | — | — | — | $26K | 0.6% | |
| Fidelity U.S. Bond Index Fund Fidelity 0 | — | — | — | $20K | 0.5% | |
| Vanguard Small-Cap Value Index Adm Vanguard 0 | — | — | — | $19K | 0.4% | |
| Nuveen Large Cap Responsible Equity R6 Nuveen 0 506 Vanguard Balanced Index Adm Vanguard 0 | — | — | — | $16K | 0.4% | |
| Fidelity Small Cap Index Fidelity 0 | — | — | — | $15K | 0.3% | |
| Fidelity International Index Fidelity 0 | — | — | — | $15K | 0.3% | |
| Vanguard Mid-Cap Value Index Adm Vanguard 0 | — | — | — | $14K | 0.3% | |
| iShares Russell 2000 SmCap Ind K iShares 0 | — | — | — | $12K | 0.3% | |
| DFA Intrmd Govt Fixed Income Port I DFA 0 | — | — | — | $6K | 0.1% | |
| Vanguard Mid Cap Index Adm Vanguard 0 | — | — | — | $5K | 0.1% | |
| Vanguard Short-Term Treasury Inv Vanguard 0 | — | — | — | $1K | <0.1% |
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