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Original filing (PDF)20251014133036NAL0006074994011
BIG SPRINGS, INC.
Form 5500
FILING_RECEIVED
BIG SPRINGS/CHAMBERS 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
156
Accounts w/ balance
152
Plan assets (EOY)
$11.4M
Net assets (EOY)
$11.4M
How this plan invests
This plan
24 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
- 50 bps in Schedule C fees — 72% 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 BIG SPRINGS, INC..
Plan sponsor
Name
BIG SPRINGS, INC.
EIN
63-0106433
Address
2700 MERIDIAN STREET · HUNTSVILLE, AL · 35811
Phone
(256) 533-9450
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FOWLER, HOLLEY, RAMBO & STAVLEY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PINNACLE BANK | 62-1829917 | — | NONE | $33K | — |
| EPIC RETIREMENT PLAN SERVICES | 16-1450952 | — | NONE | $24K | — |
Investments
24 direct securities· $11.2M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Pinnacle Retirement Vanguard Target Retiremnt 2030 | — | — | — | $2.1M | 18.4% | |
| Pinnacle Retirement JP Morgan Growth Advantage | — | — | — | $1.4M | 12.2% | |
| Pinnacle Retirement Vanguard Total Intl Stk Idx ** 8 * Pinnacle Retirement Vanguard Total Stock Mkt Index | — | — | — | $1.3M | 11.3% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2040 | — | — | — | $999K | 8.7% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2035 | — | — | — | $837K | 7.3% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2060 | — | — | — | $699K | 6.1% | |
| OR SIMILAR PARTY INVESTMENT BASIS VALUE * Pinnacle Retirement BlackRock Mid Cap Growth ** 18 * Pinnacle Retirement Cohen & Steers Real Estate Sec ** 7 * Pinnacle Retirement Fed Hermes Govt Obligations | — | — | — | $584K | 5.1% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2025 | — | — | — | $564K | 4.9% | |
| Pinnacle Retirement Fidelity 500 Index | — | — | — | $539K | 4.7% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2045 | — | — | — | $463K | 4.0% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2055 | — | — | — | $299K | 2.6% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2050 | — | — | — | $262K | 2.3% | |
| Pinnacle Retirement Principal Small Cap Growth ** 8 * Pinnacle Retirement Undiscovrd Mgrs Behavioral Val | — | — | — | $252K | 2.2% | |
| Pinnacle Retirement MFS Mid Cap Value | — | — | — | $221K | 1.9% | |
| Pinnacle Retirement Vahnguard High Yield Corporate ** 77 * Pinnacle Retirement Vanguard Inflation-Prot Sec ** 8 * Pinnacle Retirement Vanguard Interm-Term Bd Idx | — | — | — | $204K | 1.8% | |
| Pinnacle Retirement MFS Moderate Allocation R6 | — | — | — | $191K | 1.7% | |
| Pinnacle Retirement Vanguard Mid Cap Index ** 8 * Pinnacle Retirement Vanguard Target Retiremnt 2020 | — | — | — | $109K | 1.0% | |
| Pinnacle Retirement Vanguard Admrl Intl Grwth | — | — | — | $92K | 0.8% | |
| Pinnacle Bank Non-Interest Bearing Cash Account | — | — | — | $46K | 0.4% | |
| OR SIMILAR PARTY INVESTMENT BASIS VALUE * Pinnacle Retirement Vanguard Target Retiremnt Inc | — | — | — | $18K | 0.2% | |
| Pinnacle Retirement Vanguard Small Cap Index | — | — | — | $18K | 0.2% | |
| Pinnacle Retirement Vanguard Target Retiremnt 2065 | — | — | — | $8K | <0.1% | |
| Pinnacle Retirement Fidelity Advisor Emerg Mkts | — | — | — | $6K | <0.1% | |
| Pinnacle Retirement Goldman Sachs Emerg Mrkt Eq In ** - * Pinnacle Retirement Hartford Dividend and Growth | — | — | — | $2K | <0.1% |
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