Original filing (PDF)20250828163435NAL0020824818001

GRESSER, INC.

Name: GRESSER, INC. — GRESSER, INC. AND AFFILIATES 401K PLAN, Form 5500 (2024)
Creator: GRESSER, INC.

Form 5500

FILING_RECEIVED

GRESSER, INC. AND AFFILIATES 401K PLAN

401(k) retirement plan

Signals · 1

30% in single holding

Active participants

592

Accounts w/ balance

124

Plan assets (EOY)

$10.1M

Net assets (EOY)

$10.1M

How this plan invests

This plan

27 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

/ 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

Total plan cost

Vendor stack

100

Participation health

Knocking points off

Top holding "# Self-directed brokerage accounts Self-directed brokerage account" is 30% of plan.
57 bps in Schedule C fees — 96% above peer band of 29 bps.
Only 21% as many balances as active participants — suggests many active employees aren't deferring.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRESSER, INC..

Plan sponsor

Name

GRESSER, INC.

EIN

77-0415645

Address

3250 SKYWAY DRIVE, SUITE 201 · SANTA MARIA, CA · 93455

Phone

(805) 925-2481

Industry

Agriculture, Forestry, Fishing, Huntingsee 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

2025-08-28

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)

2T · Default investment account (QDIA)

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

3H · Sponsor in controlled / affiliated group

Audit & trust (Schedule H)

Auditor

CARON & BLETZER, PLLC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$35K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
MORGAN STANLEY	20-8764829	SANTA MARIA, CA	ADVISOR	$21K	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
THE RYDING COMPANY	95-3497679	—	PLAN ADMIN	$1K	—

Investments

27 direct securities· $9.7M(96% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
# Self-directed brokerage accounts Self-directed brokerage account	—	—	—	$2.9M	29.0%
Fidelity Freedom 2030 K6 Fund "	—	—	—	$1.0M	10.2%
Fidelity Freedom 2045 K6 Fund "	—	—	—	$799K	8.0%
Fidelity Freedom 2040 K6 Fund "	—	—	—	$796K	7.9%
Fidelity Freedom 2050 K6 Fund "	—	—	—	$470K	4.7%
Fidelity Freedom 2025 K6 Fund "	—	—	—	$432K	4.3%
Parnassus Value Equity Fund Investor Shares "	—	—	—	$399K	4.0%
Baron Partners Fund Retail Shares "	—	—	—	$364K	3.6%
Fidelity Freedom 2035 K6 Fund "	—	—	—	$292K	2.9%
Baron Focused Growth Instl Fund "	—	—	—	$287K	2.9%
Paradigm Micro Cap Fund Mutual fund	—	—	—	$275K	2.7%
John Hancock Contrarian T Fund "	—	—	—	$255K	2.5%
Fidelity Emerging Markets Fund "	—	—	—	$218K	2.2%
Fidelity Growth Discovery Fund "	—	—	—	$180K	1.8%
Hood River Small-Cap Growth Inst Fund "	—	—	—	$176K	1.7%
Morgan Stanley Instl Fund, Inc. Intl Adv Portfolio A Fund "	—	—	—	$159K	1.6%
T. Rowe Price Global Stock Fund "	—	—	—	$113K	1.1%
Fidelity Freedom 2055 K6 Fund "	—	—	—	$105K	1.0%
Fidelity 500 Index Fund "	—	—	—	$102K	1.0%
Fidelity Freedom 2060 K6 Fund "	—	—	—	$83K	0.8%
Fidelity Freedom 2020 K6 Fund "	—	—	—	$77K	0.8%
Fidelity Inflation Protected Bond Index Fund "	—	—	—	$60K	0.6%
Fidelity Freedom 2065 K6 Fund "	—	—	—	$51K	0.5%
Fidelity Low Priced Stock Fund "	—	—	—	$27K	0.3%
Invesco Core Bond R Fund "	—	—	—	$17K	0.2%
Participant Loans (4.50% - 9.00%) -	—	—	—	$8K	<0.1%
Fidelity Government Money Market K6 Fund "	—	—	—	$6K	<0.1%