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Original filing (PDF)20251014121201NAL0001355827001
FRUTH, INC.
Form 5500
FILING_RECEIVED
FRUTH PHARMACY 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
249
Accounts w/ balance
323
Plan assets (EOY)
$18.5M
Net assets (EOY)
$18.5M
How this plan invests
This plan
30 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 FRUTH, INC..
Plan sponsor
Name
FRUTH, INC.
EIN
55-0681886
Address
106 21ST STREET · NITRO, WV · 25143
Phone
(304) 675-1612
Industry
Retail Tradesee 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
2025-10-14
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
WEGNER CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERUS FINANCIAL, N.A. | 45-6062081 | — | NONE | $55K | — |
| EDWARD D JONES | 43-0345811 | — | RETAINED BY PLAN SPONSOR | $7K | — |
| JOHN HANCOCK RETIREMENT PLAN SVCS | 01-0233346 | — | RETAINED BY PLAN SPONSOR | $7K | — |
Investments
30 direct securities· $18.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| John Hancock 2035 Lifetime Bld R7 | — | — | — | $4.6M | 25.0% | |
| John Hancock 2030 Lifetime Bld R7 | — | — | — | $4.6M | 24.7% | |
| John Hancock 2040 Lifetime Bld R7 | — | — | — | $3.2M | 17.2% | |
| John Hancock 2020 Lifetime Bld R6 | — | — | — | $1.4M | 7.5% | |
| John Hancock 2045 Lifetime Bld R7 | — | — | — | $1.1M | 6.2% | |
| John Hancock 2025 Lifetime Bld R6 | — | — | — | $757K | 4.1% | |
| John Hancock 2055 Lifetime Bld R8 | — | — | — | $723K | 3.9% | |
| John Hancock 2015 Lifetime Bld R6 | — | — | — | $540K | 2.9% | |
| John Hancock 2060 Lifetime Bld R9 | — | — | — | $382K | 2.1% | |
| John Hancock 2050 Lifetime Bld R8 | — | — | — | $227K | 1.2% | |
| Vanguard 500 Index Admiral FD 540 | — | — | — | $223K | 1.2% | |
| John Hancock 2010 Lifetime Bld R6 | — | — | — | $142K | 0.8% | |
| American New Perspective R5 | — | — | — | $134K | 0.7% | |
| Dodge & Cox Stock I | — | — | — | $131K | 0.7% | |
| Vanguard Index Trust Mid Cap Index Fund | — | — | — | $89K | 0.5% | |
| participants maturities through 2029 -0- | — | — | — | $72K | 0.4% | |
| Vanguard I-T Treasury Idx Adm | — | — | — | $40K | 0.2% | |
| John Hancock 2065 Lifetime Bld R9 | — | — | — | $29K | 0.2% | |
| Janus Henderson Enterprise (I) | — | — | — | $23K | 0.1% | |
| Vanguard Short Term Inflation Protected Securities | — | — | — | $19K | 0.1% | |
| Dimensional Emerging Markets | — | — | — | $13K | <0.1% | |
| Vanguard Small Cap Index Fund #548 | — | — | — | $7K | <0.1% | |
| Vanguard Total Stock Mkt Index Admiral Fund #585 | — | — | — | $7K | <0.1% | |
| Dimensional Short Term Extended Quality Inst | — | — | — | $6K | <0.1% | |
| Columbia Small Cap Val I Instl | — | — | — | $5K | <0.1% | |
| Vanguard Emerging Markets Stock Index | — | — | — | $4K | <0.1% | |
| Dimensional DFA US Small Cap Port Inst | — | — | — | $4K | <0.1% | |
| Fidelity Contrafund | — | — | — | $2K | <0.1% | |
| John Hancock Disc Val MC R6 | — | — | — | $2K | <0.1% | |
| Baron Real Estate Fd Retial | — | — | — | $2K | <0.1% |