Original filing (PDF)20260116124106NAL0007282163001

GAINES AND COMPANY, INC.

Name: GAINES AND COMPANY, INC. — GAINES AND COMPANY, INC. 401(K) PROFIT SHARING PLAN, Form 5500 (2024)
Creator: GAINES AND COMPANY, INC.

Form 5500

FILING_RECEIVED

GAINES AND COMPANY, INC. 401(K) PROFIT SHARING PLAN

401(k) retirement plan

Signals · 4

Late filing · 2.0 moLate participant contributions29% in single holdingCorrective distributions issued

Active participants

219

Accounts w/ balance

324

Plan assets (EOY)

$30.4M

Net assets (EOY)

$30.4M

How this plan invests

This plan

23 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Filed 2.0 months past the 10.5-month grace window.
Delinquent participant contributions reported (Schedule H 4a) — 26K (1% of contributions).
Corrective distributions issued (likely failed ADP/ACP testing).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for GAINES AND COMPANY, INC..

Plan sponsor

Name

GAINES AND COMPANY, INC.

EIN

52-0636385

Address

112 WESTMINSTER PIKE · REISTERTOWN, MD · 21136

Phone

(410) 833-9833

Industry

Utilitiessee 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

2026-01-16

Pension benefit codes

2A · Age/service weighted or new comparability

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)

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
ADP, INC.	13-3036745	—	RECORD KEEPER	$49K	—

Investment manager

Name	EIN	Location	Relation	Direct comp	Indirect comp
GREENSPRING ADVISORS, LLC	82-5320133	—	INVESTMENT/FINANCIAL ADVI	$34K	—

Accountant / Auditor

Investments

23 direct securities· $28.4M(94% of reported assets)

					% of plan
VAN TARGET RETIRE 2035	Registered Investment Companies	—	—	$8.3M	27.3%
VAN TARGET RETIRE 2025	Registered Investment Companies	—	—	$3.9M	12.9%
VAN TARGET RETIRE 2045	Registered Investment Companies	—	—	$2.9M	9.5%
VAN TARGET RETIRE 2030	Registered Investment Companies	—	—	$2.3M	7.6%
VAN TARGET RETIRE 2020	Registered Investment Companies	—	—	$2.1M	6.9%
VAN TARGET RETIRE 2050	Registered Investment Companies	—	—	$1.9M	6.1%
VAN TARGET RETIRE 2040	Registered Investment Companies	—	—	$1.5M	4.8%
VAN TARGET RETIRE 2055	Registered Investment Companies	—	—	$1.1M	3.7%
VANGUARD 500 INDEX FUND - ADM	Registered Investment Companies	—	—	$798K	2.6%
VAN TARG RETIRE 2060	Registered Investment Companies	—	—	$762K	2.5%
VAN TARGET RETIRE INC	Registered Investment Companies	—	—	$623K	2.0%
VANGUARD FEDERAL MM INV	Registered Investment Companies	—	—	$479K	1.6%
DFA REAL ESTATE SEC PORT INST	Registered Investment Companies	—	—	$284K	0.9%
VANGUARD TOT INTL STK IND ADM	Registered Investment Companies	—	—	$274K	0.9%
VANGUARD MID CAP INDEX - ADM	Registered Investment Companies	—	—	$234K	0.8%
VAN TARG RETIRE 2065	Registered Investment Companies	—	—	$229K	0.8%
VANGUARD SMALL CAP INDEX ADMRL	Registered Investment Companies	—	—	$225K	0.7%
DFA FIVE YR GLOB FIXED INC I	Registered Investment Companies	—	—	$147K	0.5%
VANGUARD BAL IDX - ADM	Registered Investment Companies	—	—	$136K	0.4%
VANGUARD MID CAP VALUE IND ADM	Registered Investment Companies	—	—	$125K	0.4%
VANGUARD SHORT TERM INV GR ADM	Registered Investment Companies	—	—	$94K	0.3%
VANGUARD SM CAP VAL INDEX ADM	Registered Investment Companies	—	—	$92K	0.3%
VANGUARD VALUE INDEX FUND ADMR	Registered Investment Companies	—	—	$14K	<0.1%