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Original filing (PDF)20251014113219NAL0001287395001
SUBSTATION ENGINEERING COMPANY
Form 5500
FILING_RECEIVED
SUBSTATION ENGINEERING COMPANY 401(K) PROFIT SHARING PLAN
Defined-contribution retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
217
Accounts w/ balance
171
Plan assets (EOY)
$12.9M
Net assets (EOY)
$12.9M
How this plan invests
This plan
32 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
- 47 bps in Schedule C fees — 60% 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 SUBSTATION ENGINEERING COMPANY.
Plan sponsor
Name
SUBSTATION ENGINEERING COMPANY
EIN
56-2255885
Address
6 COMMERCE DRIVE · READING, PA · 196079700
Phone
(610) 603-5445
Industry
Engineering 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
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2I · Stock bonus
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
RKL LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FULTON BANK N.A. | 23-1928421 | — | NONE | $60K | — |
Investments
32 direct securities· $12.8M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Registered Investment Companies Vanguard Target Retirement 2030 Fund | — | — | — | $1.3M | 10.0% | |
| Money Market Funds Goldman Sachs GS Financial Square Government Fund | — | — | — | $1.0M | 7.9% | |
| Vanguard Lifestrategy Grth Fund Inv Cl-122 | — | — | — | $1.0M | 7.8% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $870K | 6.7% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $776K | 6.0% | |
| Harbor Funds Harbor Capital Appreciation Fund Institutional | — | — | — | $771K | 6.0% | |
| JP Morgan JP Morgan Large Cap Growth Fd R6 Shs | — | — | — | $754K | 5.8% | |
| Vanguard 500 Index Fund - Admiral | — | — | — | $713K | 5.5% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $585K | 4.5% | |
| MFS Mid Cap Growth Fund - R3 | — | — | — | $533K | 4.1% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $533K | 4.1% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $407K | 3.1% | |
| American Funds American Funds - New World Fund | — | — | — | $382K | 3.0% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $381K | 2.9% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $381K | 2.9% | |
| Vanguard Target Retirement Income Fund | — | — | — | $303K | 2.3% | |
| Vanguard Wellesley Income Fund Admiral | — | — | — | $288K | 2.2% | |
| Vanguard Star Fund | — | — | — | $265K | 2.0% | |
| Vanguard Mid Cap Index Fund - Admiral | — | — | — | $236K | 1.8% | |
| T. Rowe Price T. Rowe Price Divers S/C Growth Fund | — | — | — | $220K | 1.7% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $176K | 1.4% | |
| Vanguard Small Cap Index Fd Adm Cl | — | — | — | $169K | 1.3% | |
| Vanguard Equity Income Admiral Fund | — | — | — | $160K | 1.2% | |
| MFS Value Fund R-3 | — | — | — | $142K | 1.1% | |
| MFS Research Fund | — | — | — | $136K | 1.0% | |
| Vanguard Intermediate-Term Bond Index Fund | — | — | — | $96K | 0.7% | |
| Participant Loans 4.75% to 8.74% | — | — | — | $85K | 0.7% | |
| Vanguard Lifestrategy Income Fund | — | — | — | $38K | 0.3% | |
| PGIM Total Return Bd Fd Cl R6 | — | — | — | $34K | 0.3% | |
| Great West Great-West Mid Cap Value Fd Instl Shares | — | — | — | $31K | 0.2% | |
| MFS New Discovery Value Fund | — | — | — | $26K | 0.2% | |
| Lord Abbett Lord Abbett Short Fund R6 | — | — | — | $19K | 0.1% |
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