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Original filing (PDF)20250822123626NAL0002556819001
JAMES RIVER AIR CONDITIONING COMPANY
Form 5500
FILING_RECEIVED
JAMES RIVER AIR CONDITIONING COMPANY 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
171
Accounts w/ balance
153
Plan assets (EOY)
$15.2M
Net assets (EOY)
$15.2M
How this plan invests
This plan
18 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
- 46 bps in Schedule C fees — 59% 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 JAMES RIVER AIR CONDITIONING COMPANY.
Plan sponsor
Name
JAMES RIVER AIR CONDITIONING COMPANY
EIN
54-0835022
Address
1905 WESTMORELAND STREET · RICHMOND, VA · 232303225
Phone
(804) 358-9333
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
2025-08-22
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
ADAMS, JENKINS, & CHEATHAM
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT FIDUCIARY GROUP LLC | — | RICHMOND, VA | NONE | $35K | — |
| NEWPORT GROUP, INC. | 27-2037969 | — | NONE | $18K | — |
| PNC INSTITUTIONAL ASSET MANAGEMENT | 22-1146430 | — | NONE | $11K | — |
| LEWIS WEALTH PARTNERS | — | STAMFORD, CT | NONE | $5K | — |
Investments
18 direct securities· $15.0M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $3.4M | 22.4% | |
| Vanguard Growth Index Adm Vanguard 0 | — | — | — | $2.1M | 13.6% | |
| Vanguard Value Index Adm Vanguard 0 | — | — | — | $1.7M | 11.1% | |
| Standard Stable Asset Fund 2 Standard 0 | — | — | — | $1.1M | 7.2% | |
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $1.1M | 7.1% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $972K | 6.4% | |
| Vanguard Mid Cap Index Adm Vanguard 0 | — | — | — | $775K | 5.1% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $729K | 4.8% | |
| Vanguard Small-Cap Index Adm Vanguard 0 | — | — | — | $630K | 4.1% | |
| Vanguard Developed Mkts Index Adm Vanguard 0 | — | — | — | $566K | 3.7% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $534K | 3.5% | |
| Vanguard LifeStrategy Moderate Gr Inv Vanguard 0 | — | — | — | $430K | 2.8% | |
| Vanguard Interm-Term Bond Index Adm Vanguard 0 | — | — | — | $359K | 2.4% | |
| Vanguard LifeStrategy Income Inv Vanguard 0 | — | — | — | $321K | 2.1% | |
| Vanguard LifeStrategy Growth Inv Vanguard 0 | — | — | — | $289K | 1.9% | |
| Vanguard Total Intl Bond Index Adm Vanguard 0 | — | — | — | $37K | 0.2% | |
| Vanguard Emerging Mkts Stock Idx Adm Vanguard 0 | — | — | — | $36K | 0.2% | |
| Vanguard Short-Term Bond Index Adm Vanguard 0 | — | — | — | $12K | <0.1% |