Original filing (PDF)20251007091859NAL0002338019001

Waters Truck and Tractor Co. Inc.

Name: Waters Truck and Tractor Co. Inc. — Waters 401(k), Form 5500 (2024)
Creator: Waters Truck and Tractor Co. Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Waters 401(k) Profit Sharing Plan

401(k) retirement plan · Waters Truck and Tractor Co. Inc.'s Waters 401(k) Profit Sharing Plan held $15.0M in plan assets for 256 participants in 2024, with Vanguard as recordkeeper.

Signals · 2

25% in single holdingCorrective distributions issued

Active participants

256

Accounts w/ balance

191

Plan assets (EOY)

$15.0M

Net assets (EOY)

$15.0M

How this plan invests

This plan

38 securities

funds · stocks · CUSIPs

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

Plan health score

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

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (13th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for WATERS TRUCK AND TRACTOR CO. INC..

Plan sponsor

Name

WATERS TRUCK AND TRACTOR CO. INC.

EIN

64-0435228all filings

Address

P.O. BOX 831 · COLUMBUS, MS · 397030831

Phone

(662) 328-1575

Industry

Retail Trade

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

2025-10-07

Pension benefit codes

2E · Profit-sharing

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

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2F · ERISA section 404(c)

2T · Default investment account (QDIA)

3H · Sponsor in controlled / affiliated group

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
THE VANGUARD GROUP, INC.	23-1945930	—	NONE	$19K	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
PINNACLE WEALTH LLC	—	MADISON, MS	NONE	$51K	—

Investments

38 direct securities· $15.0M(100% of reported assets)

Other securities

$8.6M

23 holdings

Mutual Funds

$4.8M

12 holdings

Common Collective Trusts

$1.5M

2 holdings

Common Stocks

$11K

1 holding

					% of plan
Vanguard Cash Reserves Federal MM Adm Vanguard 0	Mutual Funds	—	—	$3.8M	25.2%
JPMorgan SmartRetirement Blend 2030 R6 JP Morgan 0	Other securities	—	—	$1.5M	10.0%
Vanguard 500 Index Adm Vanguard 0	Common Collective Trusts	—	—	$1.5M	9.8%
JPMorgan SmartRetirement Blend 2040 R6 JP Morgan 0	Other securities	—	—	$1.4M	9.2%
JPMorgan SmartRetirement Blend 2020 R6 JP Morgan 0	Other securities	—	—	$863K	5.8%
JPMorgan SmartRetirement Blend 2050 R6 JP Morgan 0	Other securities	—	—	$832K	5.6%
JPMorgan SmartRetirement Blend 2025 R6 JP Morgan 0	Other securities	—	—	$774K	5.2%
JPMorgan SmartRetirement Blend 2035 R6 JP Morgan 0	Other securities	—	—	$677K	4.5%
JPMorgan Large Cap Growth R6 JP Morgan 0	Other securities	—	—	$510K	3.4%
JPMorgan Short Duration Bond R6 JP Morgan 0	Other securities	—	—	$484K	3.2%
JPMorgan Strategic Income Opptnty R6 JP Morgan 0	Other securities	—	—	$475K	3.2%
JPMorgan SmartRetirement Blend 2060 R6 JP Morgan 0	Other securities	—	—	$343K	2.3%
Vanguard Mid-Cap Growth Index Adm Vanguard 0	Mutual Funds	—	—	$281K	1.9%
JPMorgan SmartRetirement Blend 2055 R6 JP Morgan 0	Other securities	—	—	$199K	1.3%
Vanguard Mid-Cap Value Index Adm Vanguard 0	Mutual Funds	—	—	$174K	1.2%
Vanguard Wellesley Income Adm Vanguard 0	Mutual Funds	—	—	$169K	1.1%
JPMorgan SmartRetirement Blend 2045 R6 JP Morgan 0	Other securities	—	—	$135K	0.9%
Victory Integrity Small-Cap Value R6 Victory 0	Other securities	—	—	$132K	0.9%
PGIM High Yield CL Z PGIM 0	Other securities	—	—	$130K	0.9%
Federated Hermes Mdt Sm Cap Gr R6 Federated 0	Other securities	—	—	$104K	0.7%
DFA Inflation-Protected Sec Port I DFA 0	Mutual Funds	—	—	$91K	0.6%
Vanguard Developed Mkts Index Adm Vanguard 0	Mutual Funds	—	—	$90K	0.6%
Putnam Large Cap Value R6 Putnam 0	Mutual Funds	—	—	$73K	0.5%
Vanguard Mid Cap Index Adm Vanguard 0	Mutual Funds	—	—	$68K	0.5%
Victory Nasdaq-100 Index R6 Victory 0	Other securities	—	—	$62K	0.4%
Vanguard Equity Income Adm Vanguard 0	Mutual Funds	—	—	$54K	0.4%
Vanguard Emerging Mkts Stock Idx Adm Vanguard 0	Common Collective Trusts	—	—	$45K	0.3%
PGIM Total Return Bond R6 PGIM 0	Other securities	—	—	$23K	0.2%
JPMorgan Mid Cap Growth R6 JP Morgan 0	Other securities	—	—	$17K	0.1%
Vanguard Small-Cap Index Adm Vanguard 0	Mutual Funds	—	—	$15K	0.1%
JPMorgan SmartRetirement Blend Inc R6 JP Morgan 0	Common Stocks	—	—	$11K	<0.1%
DFA Real Estate Securities Portfolio I DFA 0	Mutual Funds	—	—	$7K	<0.1%
JPMorgan U.S. Equity R6 JP Morgan 0	Other securities	—	—	$3K	<0.1%
Victory Integrity Mid-Cap Value R6 Victory 0	Other securities	—	—	$2K	<0.1%
Goldman Sachs Intl Sm Cap Insights Instl Goldman Sachs 0	Other securities	—	—	$2K	<0.1%
MFS International Equity R6 MFS 0	Mutual Funds	—	—	$2K	<0.1%
Federated Hermes Mdt Sm Cap Cr R6 Federated 0	Other securities	—	—	$2K	<0.1%
Victory Sophus Emerging Markets R6 Victory 0	Other securities	—	—	$1K	<0.1%