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Original filing (PDF)20251008063919NAL0008919216001
PAY AND SAVE INC
Form 5500
FILING_RECEIVED
PAY AND SAVE INC 401K PLAN
401(k) retirement plan
Signals · 2
50% in single holdingNo recordkeeper disclosed
Active participants
2,718
Accounts w/ balance
2,259
Plan assets (EOY)
$63.8M
Net assets (EOY)
$63.8M
How this plan invests
This plan
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "American Funds AMERICAN FUNDS AM BALANCD R6" is 50% of plan.
- 49 bps in Schedule C fees — 209% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PAY AND SAVE INC.
Plan sponsor
Name
PAY AND SAVE INC
EIN
75-1574481
Address
1804 HALL AVE · LITTLEFIELD, TX · 793395439
Phone
(806) 385-3366
Industry
Retail Tradesee all
Plan administrator
Name
PAY AND SAVE INC
EIN
75-1574481
City
LITTLEFIELD, TX
Phone
(806) 385-3366
Plan characteristics
Plan number
003
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
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JOHNSON & SHELDON, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PLANS ADMIN SERVICES, INC. | 16-1503696 | — | NONE | $191K | — |
| AMARILLO NATIONAL BANK | — | AMARILLO, TX | NONE | $124K | — |
Investments
30 direct securities· $62.9M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds AMERICAN FUNDS AM BALANCD R6 | — | — | — | $31.7M | 49.7% | |
| Invesco PREMIER US GOV'T MM | — | — | — | $7.4M | 11.7% | |
| Vanguard 500 INDEX ADMIRAL | — | — | — | $3.8M | 5.9% | |
| JP Morgan JPMORGAN GROWTH ADVANTAGE R6 | — | — | — | $3.2M | 5.0% | |
| Blackrock LIFEPATH INDEX RET K | — | — | — | $3.0M | 4.7% | |
| Blackrock LIFEPATH INDX 2030 K | — | — | — | $2.5M | 4.0% | |
| American Funds AMERICAN FUNDS CAPWLD G&I R6 | — | — | — | $1.7M | 2.7% | |
| Blackrock LIFEPATH INDX 2040 K | — | — | — | $1.5M | 2.4% | |
| Blackrock LIFEPATH INDX 2045 K | — | — | — | $1.4M | 2.3% | |
| Federated Hermes FEDERATED HERMES TTL RETURN BD | — | — | — | $861K | 1.3% | |
| American Funds AMERICAN FUNDS AMER MTUAL R6 | — | — | — | $852K | 1.3% | |
| Vanguard SMALL-CAP INDEX ADM | — | — | — | $723K | 1.1% | |
| Federated Hermes FEDERATED HERMES INTL LEADERS | — | — | — | $625K | 1.0% | |
| T Rowe Price T. ROWE PRICE US TREAS INT IDX | — | — | — | $613K | 1.0% | |
| Blackrock HIGH YIELD K | — | — | — | $528K | 0.8% | |
| Blackrock LIFEPATH INDX 2050 K | — | — | — | $434K | 0.7% | |
| TD Ameritrade INDIVIDUALLY DIRECTED ACCOUNT | — | — | — | $419K | 0.7% | |
| Nuveen LRG CAP GRTH INDEX R6 | — | — | — | $290K | 0.5% | |
| American Funds AMERICAN FUNDS INCOME FND R6 | — | — | — | $258K | 0.4% | |
| Columbia SHORT TERM BOND INST | — | — | — | $203K | 0.3% | |
| Nuveen LG CAP VALUE INDEX R6 | — | — | — | $201K | 0.3% | |
| Goldman Sachs GS SM CAP VAL INSIGHTS INST'L | — | — | — | $194K | 0.3% | |
| JP Morgan JPMORGAN U.S. VALUE R6 | — | — | — | $86K | 0.1% | |
| Blackrock LIFEPATH INDX 2035 K | — | — | — | $79K | 0.1% | |
| MFS Global MFS GLBL OPPORTUNISTIC BOND R6 | — | — | — | $61K | <0.1% | |
| Schwab INT'L INDEX | — | — | — | $34K | <0.1% | |
| Blackrock LIFEPATH INDX 2065 K | — | — | — | $31K | <0.1% | |
| Blackrock LIFEPATH INDX 2060 K | — | — | — | $10K | <0.1% | |
| Blackrock CORE BOND K | — | — | — | $3K | <0.1% | |
| Blackrock LIFEPATH INDX 2055 K | — | — | — | $2K | <0.1% |