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Original filing (PDF)20251125101646NAL0003206017001
L/B WATER SERVICE, INC.
Form 5500
FILING_RECEIVED
L/B WATER SERVICE, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
237
Accounts w/ balance
261
Plan assets (EOY)
$22.4M
Net assets (EOY)
$22.4M
How this plan invests
This plan
28 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 L/B WATER SERVICE, INC..
Plan sponsor
Name
L/B WATER SERVICE, INC.
EIN
75-3036438
Address
593 SOUTH HIGH STREET · PO BOX 60 · SELINSGROVE, PA · 178701302
Phone
(570) 374-2355
Industry
Wholesale Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2025-11-25
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
BROWN SCHULTZ SHERIDAN & FRITZ
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CORNERSTONE ADVISORS ASSET MGMT | 75-3204798 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $112K | — |
| THE ANGELL PENSION GROUP INC | 04-2530412 | — | THIRD PARTY ADMIN | $0 | — |
Investments
28 direct securities· $22.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Am Fds 2050 Trgt Dte Rtm R6 Fd | — | — | $0 | $3.9M | 17.4% | |
| Am Fds 2065 Trgt Dte Rtm R6 Fd | — | — | $0 | $3.0M | 13.4% | |
| Am Fds 2055 Trgt Dte Rtm R6 Fd | — | — | $0 | $2.4M | 10.6% | |
| Am Fds 2060 Trgt Dte Rtm R6 Fd | — | — | $0 | $2.3M | 10.0% | |
| Amer Beacon SmCap Val R5 Fd | — | — | $0 | $2.1M | 9.3% | |
| American Fds WshMut Inv R6 Fd | — | — | $0 | $1.3M | 5.8% | |
| Am Fds 2010 Trgt Dte Rtm R6 Fd | — | — | $0 | $816K | 3.6% | |
| Am Fds 2025 Trgt Dte Rtm R6 Fd | — | — | $0 | $812K | 3.6% | |
| Prin LgCp S&P 500 Idx Inst Fd | — | — | $0 | $794K | 3.5% | |
| Am Fds 2015 Trgt Dte Rtm R6 Fd | — | — | $0 | $652K | 2.9% | |
| Am Fds 2030 Trgt Dte Rtm R6 Fd | — | — | $0 | $577K | 2.6% | |
| Vanguard Explorer Admiral Fund | — | — | $0 | $514K | 2.3% | |
| Prin MidCp S&P 400 Idx Inst Fd | — | — | $0 | $459K | 2.0% | |
| Am Fds EuroPacific Grth R6 Fd | — | — | $0 | $416K | 1.9% | |
| Vgd Ttl Intl Stk Idx Adm Fd | — | — | $0 | $403K | 1.8% | |
| Am Fds 2045 Trgt Dte Rtm R6 Fd | — | — | $0 | $315K | 1.4% | |
| Am Fds 2035 Trgt Dte Rtm R6 Fd | — | — | $0 | $259K | 1.2% | |
| Prin Fixed Inc Guar Option | — | — | $0 | $251K | 1.1% | |
| Am Fds 2020 Trgt Dte Rtm R6 Fd | — | — | $0 | $250K | 1.1% | |
| Participant Loans | — | — | $0 | $245K | 1.1% | |
| Prin SmCap S&P 600 Idx Inst Fd | — | — | $0 | $221K | 1.0% | |
| Prin LgCap Growth I Inst Fund | — | — | $0 | $179K | 0.8% | |
| Am Fds 2040 Trgt Dte Rtm R6 Fd | — | — | $0 | $100K | 0.4% | |
| John Hancock Disc Vl R5 Fund | — | — | $0 | $77K | 0.3% | |
| JP Morgan Core Bond R5 Fund | — | — | $0 | $69K | 0.3% | |
| Harbor Capital App Inst Fund | — | — | $0 | $56K | 0.2% | |
| BNYM Bond Mkt Index I Fund | — | — | $0 | $36K | 0.2% | |
| DWS RREEF Real Assets S Fund | — | — | $0 | $11K | <0.1% |