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Original filing (PDF)20250722130413NAL0001358387001
JAMES A. SCOTT & SON, INC.
Form 5500
FILING_RECEIVED
JAMES A. SCOTT & SON, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
440
Accounts w/ balance
489
Plan assets (EOY)
$24.3M
Net assets (EOY)
$24.3M
How this plan invests
This plan
2 pooled trusts
Schedule D
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 48 bps in Schedule C fees — 67% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for JAMES A. SCOTT & SON, INC..
Plan sponsor
Name
JAMES A. SCOTT & SON, INC.
EIN
54-0372970
Address
1301 OLD GRAVES MILL ROAD · LYNCHBURG, VA · 24506
Phone
(434) 832-2117
Industry
Insurance Agencies & Brokerages· Finance & Insurancesee 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
2025-07-22
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BROWN EDWARDS & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $63K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SAGEVIEW ADVISORY GROUP, LLC | — | IRVINE, CA | INVESTMENT ADVISOR | $40K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BROWN, EDWARDS & COMPANY, LLP | — | CHRISTIANSBURG, VA | AUDITOR | $15K | — |
Investments
23 direct securities · 2 pooled funds· $24.3M(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
$23.7M
21 holdings
Common Collective Trust
$423K
2 holdings
OTHER
$130K
1 holding
Mutual Funds
$2K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Fund Admiral Shares | — | — | — | $3.9M | 16.1% | |
| American Century Growth Fund R6 Class | — | — | — | $3.1M | 12.6% | |
| American Funds 2040 Target Date Fund R6 | — | — | — | $2.5M | 10.3% | |
| American Funds 2030 Target Date Fund R6 | — | — | — | $2.5M | 10.1% | |
| T. Rowe Price Capital Appreciation Fund | — | — | — | $1.9M | 7.7% | |
| DFA Global Equity Fund I | — | — | — | $1.8M | 7.5% | |
| T. Rowe Price New Horizon Fund | — | — | — | $1.7M | 6.9% | |
| Parnassus Value Equity Fund Institutional Shares | — | — | — | $1.1M | 4.7% | |
| American Funds 2050 Target Date Fund R6 | — | — | — | $1.0M | 4.3% | |
| American Funds 2035 Target Date Fund R6 | — | — | — | $985K | 4.1% | |
| American Funds Capital Income Builder Fund R6 | — | — | — | $589K | 2.4% | |
| GALLIARD STABLE RETURN FUND C WELLS FARGO MUTUAL FUNDS · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $423K | 1.7% | |
| Loomis Sayles Core Plus Bond Fund Class N | — | — | — | $404K | 1.7% | |
| Vanguard Mid-Cap Index Fund Admiral Shares | — | — | — | $377K | 1.6% | |
| American Funds 2060 Target Date Fund R6 | — | — | — | $375K | 1.5% | |
| American Funds 2045 Target Date Fund R6 | — | — | — | $365K | 1.5% | |
| American Funds 2055 Target Date Fund R6 | — | — | — | $319K | 1.3% | |
| American Funds 2020 Target Date Fund R6 | — | — | — | $248K | 1.0% | |
| Vanguard Small-Cap Index Fund Admiral Shares | — | — | — | $243K | 1.0% | |
| Lord Abbett Short Duration Income Fund R6 | — | — | — | $151K | 0.6% | |
| American Funds 2025 Target Date Fund R6 | — | — | — | $135K | 0.6% | |
| * Participant loans Interest rates 4.25% – 9.50% - | OTHER | — | — | $130K | 0.5% | |
| American Funds 2065 Target Date Fund R6 | — | — | — | $50K | 0.2% | |
| American Funds 2015 Target Date Fund R6 | Mutual Funds | — | — | $2K | <0.1% | |
| GALLIARD STABLE RETURN FUND M WELLS FARGO MUTUAL FUNDS · EIN 94-6751924 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |