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Original filing (PDF)20251014090744NAL0002377777001
INSA, INC.
Form 5500
FILING_RECEIVED
INSA 401(K) PLAN
401(k) retirement plan
Signals · 2
~78 bps in Sched C feesNo recordkeeper disclosed
Active participants
458
Accounts w/ balance
124
Plan assets (EOY)
$2.5M
Net assets (EOY)
$2.5M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Participation health
65
Knocking points off
- 78 bps in Schedule C fees — modestly above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 27% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INSA, INC..
Plan sponsor
Name
INSA, INC.
EIN
46-3327054
Address
35 CENTER STREET · CHICOPEE, MA · 010132692
Phone
(413) 328-2714
Industry
Retail 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
2025-10-14
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
WITHUM, SMITH & BROWN
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PCS RETIREMENT | 23-3038464 | — | CONTRACT ADMINISTRATOR | $8K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ABG CONSULTANTS | — | SALT LAKE CITY, UT | NONE | $12K | — |
Investments
28 direct securities· $2.5M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity International Index | — | — | — | $336K | 13.2% | |
| JPMorgan Large Cap Growth R6 | — | — | — | $229K | 9.0% | |
| Columbia Dividend Income Inst3 | — | — | — | $203K | 8.0% | |
| Lord Abbett Short Duration Income R6 | — | — | — | $157K | 6.2% | |
| MFS Mid Cap Growth R6 | — | — | — | $147K | 5.8% | |
| Wells Fargo Special Mid Cap Value R6 | — | — | — | $134K | 5.3% | |
| PIMCO Income Instl | — | — | — | $128K | 5.1% | |
| Undiscovered Managers Behavioral Val R6 | — | — | — | $124K | 4.9% | |
| Vanguard Information Technology Idx Adm | — | — | — | $117K | 4.6% | |
| Dodge & Cox Income | — | — | — | $108K | 4.3% | |
| Fidelity Advisor Health Care Z | — | — | — | $85K | 3.4% | |
| BlackRock High Yield Bond K | — | — | — | $85K | 3.3% | |
| Fidelity Advisor Small Cap Growth Z | — | — | — | $82K | 3.2% | |
| Columbia Strategic Income Inst2 | — | — | — | $80K | 3.2% | |
| Western Asset Core Bond IS | — | — | — | $78K | 3.1% | |
| DFA Emerging Markets I | — | — | — | $78K | 3.1% | |
| Fidelity Cash Reserves ** 62 Hermes Government Obligations Fund | — | — | — | $76K | 3.0% | |
| Eaton Vance Short Duration Gov Inc I | — | — | — | $68K | 2.7% | |
| Schwab S&P 500 Index | — | — | — | $57K | 2.2% | |
| Vanguard Growth Index Admiral | — | — | — | $45K | 1.8% | |
| Vanguard Real Estate Index Admiral | — | — | — | $35K | 1.4% | |
| Invesco Money Market | — | — | — | $22K | 0.9% | |
| Vanguard Interm-Term Bond Index Adm | — | — | — | $13K | 0.5% | |
| Vanguard Mid Cap Index Admiral ** 192 Vanguard Mid-Cap Growth Index Admiral | — | — | — | $9K | 0.4% | |
| DFA Inflation-Protected Securities I | — | — | — | $7K | 0.3% | |
| Vanguard Total Intl Stock Index Admiral ** 631 Vanguard Value Index Adm | — | — | — | $2K | <0.1% | |
| Vanguard Small Cap Growth Index Admiral | — | — | — | $2K | <0.1% | |
| Vanguard Small Cap Index Adm | — | — | — | $2K | <0.1% |
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