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Original filing (PDF)20251015123028NAL0002292403001
R. W. WARNER, INC.
Form 5500
FILING_RECEIVED
R. W. WARNER, INC. PROFIT SHARING AND 401(K) PLAN
401(k) retirement plan
Signals · 2
~89 bps in Sched C feesNo recordkeeper disclosed
Active participants
239
Accounts w/ balance
281
Plan assets (EOY)
$10.1M
Net assets (EOY)
$10.1M
How this plan invests
This plan
33 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 — 205% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for R. W. WARNER, INC..
Plan sponsor
Name
R. W. WARNER, INC.
EIN
52-0846460
Address
217 MONROE AVE · FREDERICK, MD · 21701
Phone
(301) 662-5387
Industry
Plumbing, Heating, AC Contractors· Constructionsee 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
2025-10-15
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
ELLIN & TUCKER, CHARTERED
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | 26-4310632 | BALTIMORE, MD | NONE | $45K | — |
| NWPS | 91-2090931 | TOWSON, MD | NONE | $27K | — |
| ELLIN AND TUCKER | 52-0959934 | FREDERICK, MD | NONE | $18K | — |
Investments
33 direct securities· $10.1M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2025 Mutual Fund | — | — | — | $1.2M | 11.9% | |
| Vanguard Target Retirement 2055 Mutual Fund | — | — | — | $1.0M | 9.9% | |
| Vanguard Target Retirement 2050 Mutual Fund | — | — | — | $745K | 7.3% | |
| Vanguard Target Retirement 2030 Mutual Fund | — | — | — | $651K | 6.4% | |
| Fidelity 500 Index Institutional Premium Mutual Fund | — | — | — | $592K | 5.8% | |
| Vanguard Target Retirement 2035 Mutual Fund | — | — | — | $555K | 5.5% | |
| Vanguard Target Retirement 2020 Mutual Fund | — | — | — | $547K | 5.4% | |
| Vanguard Target Retirement 2045 Mutual Fund | — | — | — | $472K | 4.7% | |
| Vanguard Federal Money Market Fund Money Market Fund | — | — | — | $444K | 4.4% | |
| Vanguard Target Retirement 2040 Mutual Fund | — | — | — | $426K | 4.2% | |
| American Funds Washington Mutual R6 Mutual Fund | — | — | — | $405K | 4.0% | |
| MainStay Large Cap Growth I Mutual Fund | — | — | — | $401K | 4.0% | |
| Eaton Vance Atlanta Small Mid Cap I Mutual Fund | — | — | — | $399K | 3.9% | |
| Royce Special Equity Investment Fund Mutual Fund | — | — | — | $264K | 2.6% | |
| Fidelity Select Health Care Services Mutual Fund | — | — | — | $211K | 2.1% | |
| Fidelity Select Energy Fund Mutual Fund | — | — | — | $197K | 1.9% | |
| Fidelity Select Natural Resources Mutual Fund | — | — | — | $193K | 1.9% | |
| Vanguard Target Retirement Income Mutual Fund | — | — | — | $170K | 1.7% | |
| American Funds EuroPacific R6 Mutual Fund | — | — | — | $150K | 1.5% | |
| 10.50% per annum | — | — | — | $136K | 1.3% | |
| Fidelity Select Retailing Mutual Fund | — | — | — | $129K | 1.3% | |
| John Hancock Income I Mutual Fund | — | — | — | $123K | 1.2% | |
| Vanguard Target Retirement 2060 Mutual Fund | — | — | — | $110K | 1.1% | |
| Oppenheimer Developing Markets Y Mutual Fund | — | — | — | $101K | 1.0% | |
| Fidelity Select Gold Mutual Fund | — | — | — | $82K | 0.8% | |
| TCW Total Return Bond Fund I Mutual Fund | — | — | — | $80K | 0.8% | |
| T. Rowe Price Dividend Growth Fund Mutual Fund | — | — | — | $67K | 0.7% | |
| Vanguard Target Retirement 2065 Mutual Fund | — | — | — | $63K | 0.6% | |
| Principal Global Real Estate I Mutual Fund | — | — | — | $55K | 0.5% | |
| Vanguard Target Retirement 2070 Mutual Fund | — | — | — | $39K | 0.4% | |
| Lord Abbett Short Duration Income Mutual Fund | — | — | — | $34K | 0.3% | |
| Virtus Ceredex Mid Cap Value Equity Mutual Fund | — | — | — | $31K | 0.3% | |
| Cash | — | — | — | $3K | <0.1% |