Original filing (PDF)20251013112437NAL0001119233001

SEMMES, BOWEN & SEMMES

Name: SEMMES, BOWEN & SEMMES — SEMMES, BOWEN & SEMMES PENSION PLAN, Form 5500 (2024)
Creator: SEMMES, BOWEN & SEMMES

Form 5500

FILING_RECEIVED

SEMMES, BOWEN & SEMMES PENSION PLAN

Defined-contribution retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

119

Accounts w/ balance

192

Plan assets (EOY)

$28.2M

Net assets (EOY)

$28.2M

How this plan invests

This plan

264 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

/ 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

Vendor stack

Participation health

100

Knocking points off

56 bps in Schedule C fees — 94% 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 SEMMES, BOWEN & SEMMES.

Plan sponsor

Name

SEMMES, BOWEN & SEMMES

EIN

52-1955555

Address

250 W. PRATT STREET · SUITE 1900 · BALTIMORE, MD · 212013328

Phone

(410) 539-5040

Industry

Law Offices· Professional & Technical Servicessee 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

2025-10-13

Pension benefit codes

2A · Age/service weighted or new comparability

2C · Money purchase (other than target benefit)

Audit & trust (Schedule H)

Auditor

MCLEAN, KOEHLER, SPARKS & HAMMOND

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

5 rows

Custodian

Name	EIN	Location	Relation	Direct comp	Indirect comp
WILMINGTON TRUST, N.A.	16-1486454	WILMINGTON, DE	CUSTODIAN	$48K	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
BLUE RIDGE ASSOCIATES	13-4238973	COLUMBIA, MD	TPA	$11K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
MKS&H	52-0547375	TIMONIUM, MD	ACCOUNTANT	$18K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
GALLAGHER FIDUCIARY ADVISORS, LLC	36-4291971	PITTSBURGH, PA	INV. ADV.	$48K	—
C.S. MCKEE, L.P.	25-1900687	PITTSBURGH, PA	INV. ADV.	$34K	—

Investments

259 direct securities· $27.1M(96% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard Institutional Index CL I Fund	—	—	$2.8M	$6.7M	23.7%
Artisan Global Opportunit	—	—	$3.5M	$4.0M	14.3%
MFS International Equity-I	—	—	$3.0M	$3.0M	10.8%
Deutsche Real Estate Fund	—	—	$2.5M	$2.6M	9.3%
Janus Triton Fund-Inst	—	—	$1.2M	$1.4M	5.1%
William Blair Small Cap Value Fund	—	—	$1.3M	$1.4M	4.9%
Wilmington Prime Money Market Fund Select	—	—	$433K	$433K	1.5%
US Treasury Notes	—	—	$293K	$290K	1.0%
US Treasury Notes	—	—	$223K	$218K	0.8%
Wilmington Prime Money Market Fund Select	—	—	$207K	$207K	0.7%
US Treasury Notes	—	—	$175K	$174K	0.6%
US Treasury Notes	—	—	$176K	$169K	0.6%
US Treasury Notes	—	—	$166K	$165K	0.6%
US Treasury Notes	—	—	$153K	$153K	0.5%
US Treasury Notes	—	—	$154K	$148K	0.5%
US Treasury Notes	—	—	$154K	$148K	0.5%
US Treasury Notes	—	—	$123K	$121K	0.4%
Intl BK Recon MTN	—	—	$134K	$112K	0.4%
Federal Farm Credit Bank	—	—	$113K	$110K	0.4%
Federal Home Loan Mortgage Corp SER 5199 CMO	—	—	$98K	$86K	0.3%
Bank of Amer CRP V-Q	—	—	$82K	$85K	0.3%
Federal National Mortgage Association	—	—	$79K	$80K	0.3%
Federal Home Loan Mortgage Corp	—	—	$76K	$76K	0.3%
Federal National Mortgage Association	—	—	$76K	$75K	0.3%
Federal Home Loan Bank	—	—	$75K	$75K	0.3%
US Treasury Notes	—	—	$81K	$75K	0.3%
Nissan Auto LEA ABS	—	—	$74K	$74K	0.3%
Duke Energy Carolinas	—	—	$88K	$72K	0.3%
Goldman Sachs V-Q	—	—	$73K	$64K	0.2%
MidAmerican Energy	—	—	$99K	$63K	0.2%
Barclays CMO	—	—	$64K	$61K	0.2%
Goldman Sachs GP V-D	—	—	$56K	$56K	0.2%
Federal Farm Credit Bank	—	—	$55K	$53K	0.2%
Federal Home Loan Mortgage Corp PL #RB5230	—	—	$51K	$52K	0.2%
Exxon Mobil Corp	—	—	$52K	$48K	0.2%
Federal Home Loan Mortgage Corp PL #SD1436	—	—	$45K	$42K	0.2%
Federal Home Loan Mortgage Corp SER 4994 CMO	—	—	$46K	$42K	0.1%
FNMA PL #FS1040	—	—	$46K	$41K	0.1%
Federal Home Loan Mortgage Corp PL #SD0844	—	—	$47K	$41K	0.1%
FNMA PL #CB1284	—	—	$51K	$40K	0.1%
FNMA PL #BW9855	—	—	$41K	$40K	0.1%
Honeywell Intl	—	—	$40K	$39K	0.1%
FOX Corp	—	—	$37K	$39K	0.1%
Federal Home Loan Bank	—	—	$40K	$38K	0.1%
Morgan Stanley V-D	—	—	$40K	$38K	0.1%
FNMA SER 111 CMO	—	—	$38K	$38K	0.1%
Canadian Imperial BK Conv	—	—	$38K	$38K	0.1%
Federal Home Loan Mortgage Corp PL #RB5095	—	—	$39K	$38K	0.1%
Federal Farm Credit Bank	—	—	$38K	$38K	0.1%
Federal Home Loan Mortgage Corp PL #SD3513	—	—	$37K	$37K	0.1%
Federal Farm Credit Bank	—	—	$37K	$37K	0.1%
Enterprise Products	—	—	$38K	$37K	0.1%
FNMA PL #FS2696	—	—	$39K	$37K	0.1%
FNMA PL #FM8954	—	—	$45K	$36K	0.1%
Federal Farm Credit Bank	—	—	$36K	$36K	0.1%
FNMA PL #FM1348	—	—	$41K	$35K	0.1%
JP Morgan Chase	—	—	$34K	$34K	0.1%
FNMA PL #CB0609	—	—	$37K	$34K	0.1%
Federal Farm Credit Bank	—	—	$34K	$34K	0.1%
FNMA SER 37 CMO	—	—	$36K	$34K	0.1%
FNMA SER 26 CMO	—	—	$33K	$34K	0.1%
Verizon Comm Inc	—	—	$34K	$34K	0.1%
FNMA PL #FS7405	—	—	$33K	$33K	0.1%
GNMA II PL #786936	—	—	$32K	$33K	0.1%
Burlington North	—	—	$44K	$33K	0.1%
Federal Home Loan Mortgage Corp PL #SD3657	—	—	$32K	$33K	0.1%
FNMA PL #BQ7342	—	—	$35K	$33K	0.1%
Federal Home Loan Mortgage Corp PL #SD3835	—	—	$33K	$32K	0.1%
Conocophilips	—	—	$34K	$32K	0.1%
FNMA PL #FM3612	—	—	$41K	$32K	0.1%
Procter & Gamble	—	—	$33K	$32K	0.1%
FNMA PL #FS6404	—	—	$32K	$32K	0.1%
GM Financial Auto ABS	—	—	$32K	$32K	0.1%
FNMA PL #FS6207	—	—	$31K	$32K	0.1%
Verizon Master ABS	—	—	$31K	$32K	0.1%
GNMA SER 120 CMO	—	—	$31K	$31K	0.1%
FNMA PL #CB9449	—	—	$31K	$31K	0.1%
Carmax Auto Own ABS	—	—	$30K	$30K	0.1%
Harley-Davidson ABS	—	—	$30K	$30K	0.1%
Wells Fargo Co V-D	—	—	$30K	$30K	0.1%
Philips 66 Co	—	—	$30K	$30K	0.1%
Federal Home Loan Mortgage Corp PL #SD3619	—	—	$30K	$30K	0.1%
Toronto-Domin Mtn Conv	—	—	$30K	$30K	0.1%
GNMA SER 99 CMO	—	—	$29K	$29K	0.1%
FNMA PL #FS5884	—	—	$29K	$29K	0.1%
Federal Home Loan Mortgage Corp PL #SD7540	—	—	$29K	$29K	0.1%
UnitedHealth GRP Inc	—	—	$29K	$29K	0.1%
Virginia Electric & Power	—	—	$30K	$29K	0.1%
FNMA SER 78 CMO	—	—	$33K	$29K	0.1%
General Motors Finl	—	—	$28K	$28K	0.1%
Keurig Dr. Pepper Inc	—	—	$28K	$28K	0.1%
Oracle Corp	—	—	$36K	$28K	<0.1%
FNMA PL #FS5380	—	—	$28K	$28K	<0.1%
GNMA II PL #786726	—	—	$28K	$27K	<0.1%
FNMA PL #FM8365	—	—	$34K	$27K	<0.1%
FNMA PL #CB6051	—	—	$27K	$27K	<0.1%
FNMA PL #FM9947	—	—	$32K	$27K	<0.1%
Federal Home Loan Mortgage Corp PL #SD4321	—	—	$27K	$27K	<0.1%
Federal Home Loan Mortgage Corp PL #SD3160	—	—	$26K	$26K	<0.1%
FNMA PL #FM6475	—	—	$33K	$26K	<0.1%
GNMA SER 213 CMO	—	—	$26K	$26K	<0.1%
FNMA PL #FS5384	—	—	$26K	$26K	<0.1%
Federal Home Loan Mortgage Corp PL #QD1253	—	—	$33K	$26K	<0.1%
Walt Disney Co	—	—	$32K	$26K	<0.1%
Federal Home Loan Mortgage Corp PL #SB0890	—	—	$24K	$25K	<0.1%
FNMA SER 9 CMO	—	—	$25K	$25K	<0.1%
Totalenergies CAP SA	—	—	$26K	$25K	<0.1%
Federal Home Loan Mortgage Corp PL #SD4086	—	—	$23K	$25K	<0.1%
Federal Home Loan Mortgage Corp PL #SD5185	—	—	$24K	$25K	<0.1%
GNMA II PL #785616	—	—	$24K	$25K	<0.1%
Federal Home Loan Mortgage Corp PL #QC2352	—	—	$30K	$24K	<0.1%
FNMA SER 21 CMO	—	—	$24K	$24K	<0.1%
FNMA PL #FS5805	—	—	$24K	$24K	<0.1%
Federal Home Loan Mortgage Corp PL #RA4784	—	—	$30K	$24K	<0.1%
FNMA PL #FS7527	—	—	$23K	$24K	<0.1%
FNMA PL #FS9095	—	—	$25K	$24K	<0.1%
FNMA PL #FS0431	—	—	$27K	$23K	<0.1%
Citigroup Inc	—	—	$23K	$23K	<0.1%
Toronto-Domin Bank Mtn Conv	—	—	$23K	$23K	<0.1%
Florida Power & Light Co	—	—	$24K	$23K	<0.1%
Federal Home Loan Mortgage Corp PL #SD3325	—	—	$22K	$22K	<0.1%
Federal Home Loan Mortgage Corp PL #QC6512	—	—	$23K	$22K	<0.1%
Wells Fargo MTN V-D	—	—	$22K	$22K	<0.1%
Oracle Corp	—	—	$22K	$22K	<0.1%
GNMA II PL #C78692	—	—	$22K	$22K	<0.1%
American Express V-D	—	—	$22K	$22K	<0.1%
Participant Loans	—	—	$22K	$22K	<0.1%
BK Mont MTN Conv V-A	—	—	$22K	$22K	<0.1%
Federal Home Loan Mortgage Corp PL #SD3431	—	—	$21K	$22K	<0.1%
FNMA PL #CB5545	—	—	$21K	$21K	<0.1%
FNMA PL #FS4251	—	—	$20K	$21K	<0.1%
Comcast Corp	—	—	$22K	$21K	<0.1%
FNMA PL #CA4999	—	—	$25K	$21K	<0.1%
American Tower Corp	—	—	$20K	$21K	<0.1%
Alabama Power Co	—	—	$33K	$20K	<0.1%
Wells Fargo Co V-D	—	—	$21K	$20K	<0.1%
UBS Commercial CMO	—	—	$22K	$20K	<0.1%
FNMA PL #FS4515	—	—	$20K	$20K	<0.1%
Federal Home Loan Mortgage Corp PL #SD4497	—	—	$20K	$20K	<0.1%
FNMA PL #CA8955	—	—	$19K	$20K	<0.1%
Capital One Finl VAR-CPN	—	—	$19K	$20K	<0.1%
FNMA PL #CA6032	—	—	$19K	$20K	<0.1%
Ryl BK Mtn Conv V-D	—	—	$20K	$20K	<0.1%
Federal National Mortgage Association	—	—	$19K	$19K	<0.1%
FNMA PL #FS7006	—	—	$19K	$19K	<0.1%
Capital One V-D	—	—	$19K	$19K	<0.1%
FNMA PL #MA4176	—	—	$23K	$19K	<0.1%
FNMA PL #FS0248	—	—	$20K	$19K	<0.1%
McDonald's Corp Mtn	—	—	$19K	$19K	<0.1%
FNMA PL #FS4542	—	—	$18K	$18K	<0.1%
Goldman Sachs BK	—	—	$18K	$18K	<0.1%
FNMA PL #FM7868	—	—	$18K	$18K	<0.1%
Cisco Systems	—	—	$18K	$18K	<0.1%
GNMA SER 154 CMO	—	—	$21K	$18K	<0.1%
GNMA SER 43 CMO	—	—	$18K	$18K	<0.1%
FNMA PL #FS3512	—	—	$18K	$18K	<0.1%
UnitedHealth GRP	—	—	$19K	$18K	<0.1%
FNMA PL #FM7518	—	—	$17K	$18K	<0.1%
FNMA PL #FM3165	—	—	$22K	$18K	<0.1%
FNMA PL #FM9419	—	—	$21K	$17K	<0.1%
Entergy Corp	—	—	$19K	$17K	<0.1%
FNMA PL #FS1171	—	—	$17K	$17K	<0.1%
Johnson & Johnson	—	—	$17K	$17K	<0.1%
Coca-Cola Co	—	—	$17K	$17K	<0.1%
FNMA PL #BU1416	—	—	$21K	$17K	<0.1%
Nextera Energy Capital	—	—	$17K	$17K	<0.1%
FNMA PL #CA8689	—	—	$21K	$17K	<0.1%
United Airlines	—	—	$17K	$17K	<0.1%
Federal Home Loan Mortgage Corp PL #RA6817	—	—	$16K	$17K	<0.1%
FNMA PL #FS0404	—	—	$19K	$16K	<0.1%
Eli Lilly & Co	—	—	$17K	$16K	<0.1%
Broadcom Inc	—	—	$16K	$16K	<0.1%
Charles Schwab V-D	—	—	$15K	$15K	<0.1%
Johnson Controls	—	—	$15K	$15K	<0.1%
FNMA PL #MA4387	—	—	$17K	$15K	<0.1%
Philip Morris International	—	—	$14K	$15K	<0.1%
Cigna Group	—	—	$15K	$15K	<0.1%
FNMA PL #BM1257	—	—	$17K	$15K	<0.1%
Ally Auto Rec ABS	—	—	$15K	$15K	<0.1%
AT&T Inc	—	—	$14K	$15K	<0.1%
Apple Inc	—	—	$15K	$15K	<0.1%
American Honda F MTN	—	—	$16K	$15K	<0.1%
UnitedHealth GRP Inc	—	—	$14K	$14K	<0.1%
Capital One Finl V-D	—	—	$14K	$14K	<0.1%
Coca-Cola Co	—	—	$14K	$14K	<0.1%
Toronto-Domin Mtn Conv	—	—	$14K	$14K	<0.1%
FNMA SER 82 CMO	—	—	$15K	$14K	<0.1%
Federal Home Loan Mortgage Corp SER 5056 CMO	—	—	$14K	$14K	<0.1%
FNMA PL #FM4545	—	—	$18K	$14K	<0.1%
Federal Home Loan Mortgage Corp MTN	—	—	$14K	$13K	<0.1%
GNMA SER 20 CMO	—	—	$13K	$13K	<0.1%
Federal Home Loan Mortgage Corp PL #RA3404	—	—	$13K	$13K	<0.1%
Federal Home Loan Mortgage Corp PL #RA4180	—	—	$12K	$13K	<0.1%
GNMA II PL #MA6410	—	—	$12K	$13K	<0.1%
US Treasury Bonds	—	—	$13K	$13K	<0.1%
Federal Home Loan Mortgage Corp SER 5070 CMO	—	—	$16K	$13K	<0.1%
Energy Transfer LP	—	—	$12K	$13K	<0.1%
Conocophil Co	—	—	$13K	$13K	<0.1%
John Deere Capital MTN	—	—	$13K	$13K	<0.1%
BP Cap MKTS Amer Inc	—	—	$13K	$13K	<0.1%

Showing top 200 of 259 investments by value.