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Original filing (PDF)20251006131738NAL0002087091001
ALTRIA CLIENT SERVICES LLC
Form 5500
FILING_RECEIVED
ALTRIA RETIREMENT PLAN
Defined-benefit pension plan
Signals · 2
99% in single holding20 service providers
Active participants
1,989
Accounts w/ balance
—
Plan assets (EOY)
$6.4B
Net assets (EOY)
$6.4B
How this plan invests
This plan
1 pooled trust
Schedule D
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
75
Total plan cost
65
Vendor stack
88
Participation health
100
Knocking points off
- Top holding "Altria Client Services Master Plan’s interest in" is 99% of plan.
- 25 bps in Schedule C fees — 398% above peer band of 5 bps.
- Highly fragmented vendor stack (20 disclosed providers, 6 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ALTRIA CLIENT SERVICES LLC.
Plan sponsor
Name
ALTRIA CLIENT SERVICES LLC
EIN
47-2929146
Address
P. O. BOX 85088 · RICHMOND, VA · 232855088
Phone
(804) 274-2200
Industry
Manufacturingsee all
Plan administrator
Name
THOMAS H WATSON PLAN ADMINISTRATOR
EIN
88-1380953
City
RICHMOND, VA
Phone
(804) 274-2200
Plan characteristics
Plan number
006
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-06
Pension benefit codes
1A · Pay-related DB formula
1B · Flat-dollar DB formula
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PRICEWATERHOUSECOOPERS LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
20 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMT INSTIT OP CO INC | 04-2647786 | — | RECORDKEEPER | $1.8M | — |
Advisor / Consultant
13| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LOOMIS SAYLES & COMPANY LP | 04-3200030 | — | INVESTMENT MANAGER | $3.9M | — |
| PACIFIC INVESTMENT MGMT CO LLC | 33-0629048 | — | INVESTMENT MANAGER | $3.0M | — |
| ACADIAN ASSET MANAGEMENT LLC | 04-2929221 | — | INVESTMENT MANAGER | $1.5M | — |
| PGIM LDI | 22-2540245 | — | INVESTMENT MANAGER | $971K | — |
| NISA INVESTMENT ADVISORS LLC | 48-1140940 | — | INVESTMENT MANAGER | $724K | — |
| REAMS LDI | 43-1925734 | — | INVESTMENT MANAGER | $632K | — |
| FIDELITY FIAM LLC | 20-1733361 | — | INVESTMENT MANAGER | $485K | — |
| GOLDMAN SACHS ASSET MANAGEMENT LP | 13-3575636 | — | INVESTMENT MANAGER | $408K | — |
| JPMORGAN LDI | 13-3200244 | — | INVESTMENT MANAGER | $346K | — |
| WILLIS TOWERS WATSON US LLC | 53-0181291 | — | ACTUARIAL | $308K | — |
| INSIGHT INA LDI | 82-0983489 | — | INVESTMENT MANAGER | $221K | — |
| STATE STREET GLOBAL ADVISOR TRUST | 81-4017137 | — | INVESTMENT MANAGER | $156K | — |
| RAM LDI | 13-4006232 | — | INVESTMENT MANAGER | $81K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JPMORGAN CHASE BANK NA | 13-4994650 | — | TRUSTEE | $1.1M | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRICEWATERHOUSECOOPERS LLP | 13-4008324 | — | AUDITING | $120K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EVERSHEDS SUTHERLAND (US) LLP | 58-0619407 | — | LEGAL | $83K | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EVESTMENT ALLIANCE LLC | 58-2540972 | — | DATA SERVICES | $66K | — |
| BLOOMBERG | 13-3417984 | — | DATA SERVICES | $53K | — |
| MORNINGSTAR INC | 36-3297908 | — | DATA SERVICES | $52K | — |
Investments
2 direct securities · 1 pooled fund· $12.8B(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$6.4B
2 holdings
Master Trust
$6.4B
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Altria Client Services Master Plan’s interest in | — | — | $6.3B | $6.4B | 99.4% | |
| ALCS MASTER RETIREMENT TRUST ALTRIA CLIENT SERVICES LLC · EIN 13-7160570 / PN 001 | Master Trust | — | — | $6.4B | 99.4% | |
| Fidelity Benefits Cash | — | — | $36.0M | $36.0M | 0.6% |