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Original filing (PDF)20250724084002NAL0005676208001
OTELCO TELEPHONE LLC
Form 5500
FILING_RECEIVED
OTELCO TELEPHONE LLC SAVINGS TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
648
Accounts w/ balance
619
Plan assets (EOY)
$39.6M
Net assets (EOY)
$39.6M
How this plan invests
This plan
1 pooled trust
Schedule D
42 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 38 bps in Schedule C fees — modestly 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 OTELCO TELEPHONE LLC.
Plan sponsor
Name
OTELCO TELEPHONE LLC
EIN
52-2126398
Address
505 3RD AVE E · ONEONTA, AL · 351211557
Phone
(205) 625-3591
Industry
All Other Professional Services· 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
2025-07-24
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)
Audit & trust (Schedule H)
Auditor
BMSS,LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH FINANCIAL NETWORK | 04-2675571 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $151K | — |
Investments
41 direct securities · 1 pooled fund· $39.7M(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
$37.2M
41 holdings
Common Collective Trust
$2.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments Fidelity 500 Index Fund a | — | — | — | $3.1M | 7.9% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2030 R6 Fd a | — | — | — | $2.9M | 7.3% | |
| JP Morgan Funds JP Morgan Large Cap Gr R6 Fd a | — | — | — | $2.9M | 7.3% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2045 R6 Fd a | — | — | — | $2.7M | 6.9% | |
| PRINCIPAL STABLE VALUE Z FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274328 / PN 001 | Common Collective Trust | — | — | $2.6M | 6.5% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2035 R6 Fd a | — | — | — | $2.4M | 6.1% | |
| PGIM Investments PGIM Total Ret Bond R6 Fd a | — | — | — | $2.4M | 6.0% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2040 R6 Fd a | — | — | — | $2.0M | 5.1% | |
| MFS Investment Management Mfs Growth Allocation R4 Fund a | — | — | — | $1.9M | 4.8% | |
| MFS Investment Management Mfs Moderate Alloc R4 Fund a | — | — | — | $1.9M | 4.8% | |
| Vanguard Group Vanguard Equity-Inc Adm Fund a | — | — | — | $1.7M | 4.2% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2050 R6 Fd a | — | — | — | $1.5M | 3.8% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2055 R6 Fd a | — | — | — | $1.2M | 3.0% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2025 R6 Fd a | — | — | — | $1.1M | 2.8% | |
| Fidelity Investments Fidelity Mid Cp Index Fund a | — | — | — | $1.1M | 2.7% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2060 R6 Fd a | — | — | — | $746K | 1.9% | |
| MFS Investment Management Mfs Mid-Cap Growth R6 Fund a | — | — | — | $731K | 1.8% | |
| Fidelity Investments Fidelity Sm Cap Index Fund a | — | — | — | $721K | 1.8% | |
| Participant loans 10.50% -0- | — | — | — | $702K | 1.8% | |
| Hartford Mutual Funds Hartford Intl Opp R6 Fund a | — | — | — | $680K | 1.7% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2065 R6 Fd a | — | — | — | $627K | 1.6% | |
| MFS Investment Management Mfs Mid Cap Value R6 Fund a | — | — | — | $580K | 1.5% | |
| MFS Investment Management Mfs Aggr Growth Alloc R4 Fund a | — | — | — | $493K | 1.2% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2010 R6 Fd a | — | — | — | $407K | 1.0% | |
| JP Morgan Funds JP Morgan Sm Cp Growth R6 Fund a | — | — | — | $352K | 0.9% | |
| PIMCO Funds PIMCO Real Return Instl Fund a | — | — | — | $336K | 0.8% | |
| Cohen & Steers Cohen & Steers Re Est Sec Z Fd a | — | — | — | $310K | 0.8% | |
| The American Funds American Funds Newworld R6 a | — | — | — | $293K | 0.7% | |
| Vanguard Group Vgd Ttl Intl Stk Idx Adm Fd a | — | — | — | $283K | 0.7% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2015 R6 Fd a | — | — | — | $192K | 0.5% | |
| MFS Investment Management Mfs Conserv Alloc R4 Fd a | — | — | — | $187K | 0.5% | |
| Principal Life Insurance Co. Principal Pension Builder(Sm)Z a | — | — | — | $180K | 0.5% | |
| Delaware Investments Delaware Small Cap Value R6 Fd a | — | — | — | $137K | 0.3% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2020 R6 Fd a | — | — | — | $113K | 0.3% | |
| The American Funds American Funds Newprsp R6 Fnd a | — | — | — | $113K | 0.3% | |
| (E) | — | — | — | $85K | 0.2% | |
| The American Funds American Funds Hi-Inc Trs R6 Fd a | — | — | — | $85K | 0.2% | |
| PIMCO Funds PIMCO Intl Bond (Usd-Hdg) I Fd a | — | — | — | $35K | <0.1% | |
| Victory Funds Vic Triv Intl Small Cap R6 Fd a | — | — | — | $8K | <0.1% | |
| (E) | — | — | $35K | $8K | <0.1% | |
| (E) | — | — | — | $3K | <0.1% | |
| American Funds Service Co. Am Fds Trgt Dte Rtm 2070 R6 Fd a | — | — | — | $3K | <0.1% |