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Original filing (PDF)20251006140509NAL0006209824001
ALTER COMPANIES, INC.
Form 5500
FILING_RECEIVED
ALTER 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,381
Accounts w/ balance
1,569
Plan assets (EOY)
$131.0M
Net assets (EOY)
$131.0M
How this plan invests
This plan
1 pooled trust
Schedule D
28 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
- 18 bps in Schedule C fees — 80% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ALTER COMPANIES, INC..
Plan sponsor
Name
ALTER COMPANIES, INC.
EIN
48-1291659
Address
700 OFFICE PARKWAY · CREVE COEUR, MO · 631417105
Phone
(314) 872-2479
Industry
Wholesale Tradesee 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
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENT AD | 43-1451524 | — | INVESTMENT ADVISORY | $89K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $147K | — |
Investments
27 direct securities · 1 pooled fund· $131.4M(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
$127.4M
27 holdings
Common Collective Trust
$4.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments 500 Index Fund | — | — | — | $18.1M | 13.8% | |
| Fidelity Investments Advisor Equity Growth Fund | — | — | — | $17.8M | 13.6% | |
| Invesco Funds Group, Inc. Equity and Income Fund | — | — | — | $16.2M | 12.4% | |
| American Beacon Funds Large Cap Value Fund | — | — | — | $8.4M | 6.4% | |
| Standard Insurance Company Insurance contract, Standard Stable Asset Fund II | — | — | — | $7.6M | 5.8% | |
| Vanguard Group Target Retirement 2030 Fund | — | — | — | $7.3M | 5.6% | |
| Vanguard Group Small-Cap Index Fund | — | — | — | $6.5M | 4.9% | |
| Vanguard Group Target Retirement 2035 Fund | — | — | — | $5.8M | 4.4% | |
| Vanguard Group Target Retirement 2025 Fund | — | — | — | $5.2M | 3.9% | |
| Vanguard Group Target Retirement 2045 Fund | — | — | — | $4.6M | 3.5% | |
| Oppenheimer International Growth Fund | — | — | — | $4.6M | 3.5% | |
| Vanguard Group Target Retirement 2040 Fund | — | — | — | $4.0M | 3.1% | |
| SEI Trust Company * Principal/BlackRock S&P MidCap Index | — | — | — | $4.0M | 3.0% | |
| PRIN/BR S&P MID INDEX CIT N SEI TRUST COMPANY · EIN 52-2265235 / PN 001 | Common Collective Trust | — | — | $4.0M | 3.0% | |
| Vanguard Group Target Retirement 2050 Fund | — | — | — | $3.7M | 2.8% | |
| Osterweis Capital Management Strategic Income Fund | — | — | — | $2.1M | 1.6% | |
| Participants * Notes receivable (interest rates of 4.25% to 9.50%) | — | — | — | $2.0M | 1.5% | |
| Fidelity Investments International Index Fund | — | — | — | $1.6M | 1.2% | |
| Metropolitan Life Insurance Co. Total Return Bond | — | — | — | $1.5M | 1.1% | |
| Vanguard Group Target Retirement 2060 Fund | — | — | — | $1.1M | 0.9% | |
| Fidelity Investments US Bond Index Fund | — | — | — | $1.1M | 0.8% | |
| Vanguard Group Target Retirement 2020 Fund | — | — | — | $1.1M | 0.8% | |
| Vanguard Group Target Retirement 2065 Fund | — | — | — | $998K | 0.8% | |
| Dimensional Fund Advisors Emerging Markets Core Equity Portfolio | — | — | — | $924K | 0.7% | |
| Vanguard Group Target Retirement Income Fund | — | — | — | $616K | 0.5% | |
| Principal Funds, Inc. * SmallCap Growth I Fund | — | — | — | $456K | 0.3% | |
| (E) | — | — | — | $55K | <0.1% | |
| Vanguard Group Target Retirement 2070 Fund | — | — | — | $55K | <0.1% |
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