Back to filter
Original filing (PDF)20251014123347NAL0002909825001
WHARTON-SMITH, INC.
Form 5500
FILING_RECEIVED
WHARTON-SMITH, INC. 401(K) PLAN AND TRUST
401(k) retirement plan
Active participants
835
Accounts w/ balance
999
Plan assets (EOY)
$82.2M
Net assets (EOY)
$82.2M
How this plan invests
This plan
1 pooled trust
Schedule D
29 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
- 30 bps in Schedule C fees — 85% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WHARTON-SMITH, INC..
Plan sponsor
Name
WHARTON-SMITH, INC.
EIN
59-2392802
Address
750 MONROE ROAD · SANFORD, FL · 32771
Phone
(407) 321-8410
Industry
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
2025-10-14
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
ERIN PERDUE CPA, LLA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $138K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES INC | — | NASHVILLE, TN | INVESTMENT ADVISOR | $105K | — |
Investments
28 direct securities · 1 pooled fund· $82.2M(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
$80.5M
28 holdings
Common Collective Trust
$1.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2035 Target Date Fund R6 | — | — | — | $10.9M | 13.3% | |
| American Funds American Funds 2030 Target Date Fund R6 | — | — | — | $10.0M | 12.2% | |
| Vanguard 500 Index Fund - Admiral | — | — | — | $9.0M | 10.9% | |
| American Funds American Funds 2050 Target Date Fund R6 | — | — | — | $8.1M | 9.9% | |
| American Funds American Funds 2055 Target Date Fund R6 | — | — | — | $8.0M | 9.8% | |
| American Funds American Funds 2045 Target Date Fund R6 | — | — | — | $7.1M | 8.6% | |
| American Funds American Funds 2040 Target Date Fund R6 | — | — | — | $6.6M | 8.0% | |
| American Funds American Funds 2025 Target Date Fund R6 | — | — | — | $5.0M | 6.1% | |
| American Funds American Funds 2060 Target Date Fund R6 | — | — | — | $2.9M | 3.5% | |
| American Funds American Funds 2020 Target Date Fund R6 | — | — | — | $2.0M | 2.5% | |
| Participant Notes Receivable Rates 4.25% to 9.5% through December 2028 | — | — | — | $1.8M | 2.2% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $1.7M | 2.1% | |
| American Funds American Funds 2065 Target Date Fund R6 | — | — | — | $1.3M | 1.6% | |
| AllianceBernstein AB Large Cap Growth Z | — | — | — | $1.3M | 1.6% | |
| Vanguard Mid Cap Index ADM | — | — | — | $983K | 1.2% | |
| Putnam Large Cap Value R6 | — | — | — | $841K | 1.0% | |
| Vanguard Small Cap Index Fund - Admiral | — | — | — | $756K | 0.9% | |
| Putnam Small Cap Growth R6 | — | — | — | $734K | 0.9% | |
| American Funds American Funds 2010 Target Date Fund R6 | — | — | — | $572K | 0.7% | |
| Vanguard Total Stock Market Index - Admiral | — | — | — | $444K | 0.5% | |
| Janus Henderson Janus Henderson Flexible Bond N | — | — | — | $428K | 0.5% | |
| MFS Investment Management MFS Mid Cap Value R6 | — | — | — | $386K | 0.5% | |
| American Funds American Funds International GR & INC R6 | — | — | — | $300K | 0.4% | |
| Vanguard Small Cap Value Index - Admiral | — | — | — | $247K | 0.3% | |
| American Funds American Century Strat ALLC: AGRSV R^ | — | — | — | $206K | 0.3% | |
| American Funds American Funds New World R6 | — | — | — | $187K | 0.2% | |
| American Funds American Funds 2015 Target Date Fund R6 | — | — | — | $149K | 0.2% | |
| Blackrock Inflation Prted Bd Blackrock K | — | — | — | $60K | <0.1% | |
| VOYA GNMA Income W | — | — | — | $28K | <0.1% |