Original filing (PDF)20251015100717NAL0002123667001

WATKINS, WARD & STAFFORD, PLLC

Name: WATKINS, WARD & STAFFORD, PLLC — WATKINS, WARD & STAFFORD, PLLC 401(K) SALARY SAVINGS PLAN, Form 5500 (2024)
Creator: WATKINS, WARD & STAFFORD, PLLC

Form 5500

FILING_RECEIVED

WATKINS, WARD & STAFFORD, PLLC 401(K) SALARY SAVINGS PLAN

401(k) retirement plan

Signals · 2

Corrective distributions issuedHigh average account balance

Active participants

133

Accounts w/ balance

159

Plan assets (EOY)

$25.0M

Net assets (EOY)

$25.0M

How this plan invests

This plan

153 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

/ 100

Grade C

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WATKINS, WARD & STAFFORD, PLLC.

Plan sponsor

Name

WATKINS, WARD & STAFFORD, PLLC

EIN

64-0394922

Address

561 COMMERCE ST. · WEST POINT, MS · 39773

Phone

(662) 494-5732

Industry

CPA Offices· 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

2025-10-15

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EPIC RETIREMENT PLAN SERVICES	16-1450952	—	NONE	$2K	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
RENASANT BANK	—	TUPELO, MS	NONE	$107K	—

Investments

153 direct securities· $24.5M(98% of reported assets)

Other securities

$21.5M

129 holdings

Cash / Money Market

$2.6M

12 holdings

U.S. Treasuries

$224K

5 holdings

Common Stock

$183K

6 holdings

Bonds / Notes

$118K

1 holding

					% of plan
Vanguard Large Cap Index Fund Admiral Shares Mutual Fund	Other securities	—	—	$5.2M	21.0%
Federated Hermes Government Obligations Fund Premier Money Market Fund	Cash / Money Market	—	—	$2.1M	8.3%
Vanguard Total Stock Market Index Fund Admiral Shares Mutual Fund	Other securities	—	—	$1.9M	7.7%
Vanguard Mid-Cap Index Fund Admiral Shares Mutual Fund	Other securities	—	—	$1.6M	6.5%
JPMorgan Growth Advantage Fund Class R6 Mutual Fund	Other securities	—	—	$1.5M	5.9%
AB Large Cap Growth Fund Class Z Mutual Fund	Other securities	—	—	$1.2M	4.8%
Value Line Mid Cap Focused Fund Institutional Class Mutual Fund	Other securities	—	—	$992K	4.0%
Federated Hermes International Small-Mid Company Fund Inst Mutual Fund	Other securities	—	—	$735K	2.9%
The Hartford Dividend and Growth Fund Class R6 Mutual Fund	Other securities	—	—	$680K	2.7%
Vanguard Developed Markets Index Fund Admiral Shares Mutual Fund	Other securities	—	—	$612K	2.5%
American Century Small Cap Growth Fund Class R6 Mutual Fund	Other securities	—	—	$566K	2.3%
Smead Value Fund Class Y Mutual Fund	Other securities	—	—	$381K	1.5%
Federated Hermes Institutional High Yield Bond Fund Class R6 Mutual Fund	Other securities	—	—	$254K	1.0%
PIMCO Income Fund Institutional Class Mutual Fund	Other securities	—	—	$249K	1.0%
Vanguard Small-Cap Index Fund Admiral Shares Mutual Fund	Other securities	—	—	$211K	0.8%
Baird Core Plus Bond Fund Class Institutional Mutual Fund	Other securities	—	—	$200K	0.8%
Federated Hermes Total Return Bond Fund Class R6 Shares Mutual Fund	Other securities	—	—	$199K	0.8%
JPMorgan Global Bond Opportunities Fund Class R6 Mutual Fund	Other securities	—	—	$167K	0.7%
Baird Core Plus Bond Fund Class Institutional Mutual Fund	Other securities	—	—	$165K	0.7%
interest, collateral, par (d) (e) Current (a) (b) Identity of issue, borrower, lessor or similar party or maturity value Cost value * Renasant Moderate Growth Model - (Continued) JPMorgan Core Bond Fund Class R6 Mutual Fund	Other securities	—	—	$164K	0.7%
PIMCO Income Fund Institutional Class Mutual Fund	Other securities	—	—	$150K	0.6%
Federated Hermes Government Obligations Fund Premier Money Market Fund	Cash / Money Market	—	—	$147K	0.6%
JPMorgan Global Bond Opportunities Fund Class R6 Mutual Fund	Other securities	—	—	$128K	0.5%
PIMCO Income Fund Institutional Class Mutual Fund	Other securities	—	—	$124K	0.5%
Baird Core Plus Bond Fund Class Institutional Mutual Fund	Other securities	—	—	$123K	0.5%
Participant Loans 4.25% - 9.5%	Bonds / Notes	—	—	$118K	0.5%
Federated Hermes Government Obligations Fund Premier Money Market Fund	Cash / Money Market	—	—	$111K	0.4%
MFS Mid Cap Value Fund Class R6 Mutual Fund	Other securities	—	—	$108K	0.4%
MFS Mid Cap Value Fund Class R6 Mutual Fund	Other securities	—	—	$101K	0.4%
JPMorgan Hedged Equity Fund Class R6 Mutual Fund	Other securities	—	—	$97K	0.4%
Federated Hermes Total Return Bond Fund Class R6 Shares Mutual Fund	Other securities	—	—	$95K	0.4%
Hartford International Value Fund Class R6 Mutual Fund	Other securities	—	—	$90K	0.4%
American Century Small Cap Growth Fund R6 Class Mutual Fund	Other securities	—	—	$90K	0.4%
Matthews Emerging Markets Small Companies Fund Mutual Fund	Other securities	—	—	$87K	0.3%
Undiscovered Managers Behavioral Value Fund Class R6 Mutual Fund	Other securities	—	—	$85K	0.3%
Schwab Treasury Inflation Protected Securities Index Mutual Fund	U.S. Treasuries	—	—	$84K	0.3%
Undiscovered Managers Behavioral Value Fund Class R6 Mutual Fund	Other securities	—	—	$82K	0.3%
MFS Mid Cap Value Fund Class R6 Mutual Fund	Other securities	—	—	$81K	0.3%
Buffalo International Fund Institutional Class Mutual Fund	Other securities	—	—	$80K	0.3%
The Hartford Dividend and Growth Fund Class R6 Mutual Fund	Other securities	—	—	$78K	0.3%
Vanguard Large-Cap Index Fund Admiral Shares Mutual Fund	Other securities	—	—	$76K	0.3%
Smead Value Fund Class Y Mutual Fund	Other securities	—	—	$75K	0.3%
JPMorgan Growth Advantage Fund Class R6 Mutual Fund	Other securities	—	—	$72K	0.3%
MFS Mid Cap Value Fund Class R6 Mutual Fund	Other securities	—	—	$72K	0.3%
Hartford International Value Fund Class R6 Mutual Fund	Other securities	—	—	$72K	0.3%
AB Large Cap Growth Fund Class Z Mutual Fund	Other securities	—	—	$71K	0.3%
JPMorgan Hedged Equity Fund Class R6 Mutual Fund	Other securities	—	—	$67K	0.3%
Federated Hermes International Small-Mid Company Fund Inst Mutual Fund	Other securities	—	—	$63K	0.3%
JPMorgan Global Bond Opportunities Fund Class R6 Mutual Fund	Other securities	—	—	$63K	0.3%
Schwab Treasury Inflation Protected Securities Index Mutual Fund	U.S. Treasuries	—	—	$62K	0.2%