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Original filing (PDF)20251008213449NAL0003551683001
S.P. RICHARDS COMPANY
Form 5500
FILING_RECEIVED
S.P. RICHARDS 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,235
Accounts w/ balance
1,418
Plan assets (EOY)
$66.8M
Net assets (EOY)
$66.8M
How this plan invests
This plan
12 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for S.P. RICHARDS COMPANY.
Plan sponsor
Name
S.P. RICHARDS COMPANY
EIN
58-1237213
Address
4300 WILDWOOD PARKWAY · SUITE 100 · ATLANTA, GA · 30339
Phone
(770) 779-4504
Industry
Wholesale 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
2025-10-08
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $81K | — |
Investments
15 direct securities · 12 pooled funds· $66.8M(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.
Common Collective Trust
$50.2M
12 holdings
Uncategorized
$16.5M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD TARGET RETIREMENT 2035 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $12.7M | 19.0% | |
| VANGUARD TARGET RETIREMENT 2030 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $9.4M | 14.1% | |
| VANGUARD TARGET RETIREMENT 2040 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $8.9M | 13.4% | |
| VANGUARD TARGET RETIREMENT 2025 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $5.5M | 8.3% | |
| VANGUARD TARGET RETIREMENT 2045 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $4.8M | 7.2% | |
| Vanguard Institutional Index Fund | — | — | — | $3.8M | 5.7% | |
| VANGUARD TARGET RETIREMENT 2050 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $3.2M | 4.8% | |
| Brown Advisory Sustainable Growth Fund | — | — | — | $2.7M | 4.0% | |
| Vanguard Mid-Cap Index Fund | — | — | — | $2.1M | 3.1% | |
| VANGUARD TARGET RETIREMENT 2055 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $1.8M | 2.7% | |
| Participant loans Various maturity dates; interest at 4.25% - 9.50% | — | — | — | $1.8M | 2.6% | |
| Vanguard Treasury Money Market Fund | — | — | — | $1.4M | 2.1% | |
| VANGUARD TARGET RETIREMENT 2020 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $1.3M | 1.9% | |
| Vanguard Total Bond Market Index Fund | — | — | — | $1.0M | 1.5% | |
| Vanguard Small-Cap Index Fund Institutional Shares | — | — | — | $1.0M | 1.5% | |
| Vanguard Equity Income Fund Admiral Shares | — | — | — | $950K | 1.4% | |
| VANGUARD TARGET RETIREMENT 2060 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $890K | 1.3% | |
| VANGUARD TARGET RETIREMENT INCOME T VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $810K | 1.2% | |
| VANGUARD TARGET RETIREMENT 2065 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $669K | 1.0% | |
| Vanguard Explorer Fund | — | — | — | $488K | 0.7% | |
| Vanguard International Stock Index Fund | — | — | — | $353K | 0.5% | |
| American Funds EuroPacific Growth Fund | — | — | — | $328K | 0.5% | |
| T. Rowe Price Institutional Large Cap Growth Fund | — | — | — | $319K | 0.5% | |
| VANGUARD TARGET RETIREMENT 2070 TRU VANGUARD FIDUCIARY TRUST COMPANY · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $188K | 0.3% | |
| Vanguard Federal Money Market Fund Admiral Shares | — | — | — | $165K | 0.2% | |
| Dodge & Cox Income Fund | — | — | — | $161K | 0.2% | |
| American Funds American Balanced Fund | — | — | — | $17K | <0.1% |
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