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Original filing (PDF)20251015090202NAL0002055459001
NEW JERSEY B.A.C. ANNUITY FUND
Form 5500
FILING_RECEIVED
NEW JERSEY B.A.C. ANNUITY FUND
Defined-contribution retirement plan
Signals · 3
30% in single holdingNo recordkeeper disclosed6 service providers
Active participants
1,282
Accounts w/ balance
1,830
Plan assets (EOY)
$162.6M
Net assets (EOY)
$162.1M
How this plan invests
This plan
1 pooled trust
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
85
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Galliard Stable Return Fund E 762,356.848 shares" is 30% of plan.
- 32 bps in Schedule C fees — 224% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NEW JERSEY B.A.C. ANNUITY FUND.
Plan sponsor
Name
NEW JERSEY B.A.C. ANNUITY FUND
EIN
80-0083081
Address
14 PLOG ROAD SUITE 2 · FAIRFIELD, NJ · 07004
Phone
(973) 808-1141
Industry
Constructionsee 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
2G · Total participant-directed accounts
Audit & trust (Schedule H)
Auditor
RICHARD J. CUMMINGS, CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsOther
6| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | SMITHFIELD, RI | NONE | $367K | — |
| INVESTMENT PERFORMANCE SERVICES LLC | 58-2432390 | SAVANNAH, GA | NONE | $44K | — |
| VIRGINIA & AMBINDER, LLP | 13-4166736 | NEW YORK, NY | NONE | $43K | — |
| SCHULTHEIS & PANATTIERI LLP | 13-1577780 | HAUPPAUGE, NY | NONE | $28K | — |
| RICHARD J. CUMMINGS CPA | 22-3346148 | HACKENSACK, NJ | NONE | $23K | — |
| SUSANIN WIDMAN & BRENNAN PC | 23-2265950 | BERWYN, PA | NONE | $22K | — |
Investments
31 direct securities · 1 pooled fund· $158.7M(98% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$111.9M
31 holdings
Common Collective Trust
$46.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| GALLIARD STABLE RETURN FUND E SEI TRUST COMPANY · EIN 52-2250951 / PN 001 | Common Collective Trust | — | $44.4M | $46.8M | 28.8% | |
| Fidelity Freedom Index 2030 Fund 972,951.198 shares | — | — | $17.2M | $19.6M | 12.1% | |
| Fidelity Freedom Index 2040 Fund 659,478.734 shares | — | — | $13.3M | $16.2M | 10.0% | |
| Fidelity Freedom Index 2035 Fund 537,437.478 shares | — | — | $10.7M | $12.5M | 7.7% | |
| Fidelity Freedom Index 2025 Fund 561,504.242 shares | — | — | $9.4M | $10.4M | 6.4% | |
| Fidelity Freedom Index 2050 Fund 367,937.681 shares | — | — | $7.8M | $9.6M | 5.9% | |
| Fidelity Freedom Index 2045 Fund 354,237.838 shares | — | — | $7.5M | $9.2M | 5.6% | |
| Fidelity Freedom Index 2020 Fund 398,548.838 shares | — | — | $5.8M | $6.3M | 3.9% | |
| Fidelity 500 Index Fund 29,415.037 shares | — | — | $3.6M | $6.0M | 3.7% | |
| Fidelity Contrafund K6 159,306.835 shares | — | — | $2.6M | $5.0M | 3.0% | |
| Fidelity Freedom Index 2055 Fund 166,653.529 shares | — | — | $3.0M | $3.6M | 2.2% | |
| Fidelity Freedom Index Income Fund 247,231.476 shares | — | — | $2.8M | $2.9M | 1.8% | |
| Fidelity Freedom Index 2060 Fund 98,732.456 shares | — | — | $1.5M | $1.8M | 1.1% | |
| Columbia Dividend Income Fund 53,168.615 shares | — | — | $1.9M | $1.8M | 1.1% | |
| T. Rowe Price Mid-Cap Growth Fund 12,689.455 shares | — | — | $1.2M | $1.3M | 0.8% | |
| Fidelity Freedom Index 2015 Fund 81,559.328 shares | — | — | $1.1M | $1.2M | 0.7% | |
| Fidelity Small-Cap Discovery Fund 34,213.076 shares | — | — | $904K | $826K | 0.5% | |
| American Funds EuroPacific Growth Fund 11,920.055 shares | — | — | $619K | $640K | 0.4% | |
| Fidelity Freedom Index 2010 Fund 48,072.840 shares | — | — | $590K | $617K | 0.4% | |
| Metropolitan West Total Return Bond Fund 68,622.986 shares | — | — | $632K | $609K | 0.4% | |
| Fidelity Freedom Index 2065 Fund 33,571.153 shares | — | — | $436K | $492K | 0.3% | |
| Fidelity Extended Market Index Fund 3,698.579 shares | — | — | $265K | $336K | 0.2% | |
| Vanguard Total Bond Market Index Fund 34,472.488 shares | — | — | $350K | $327K | 0.2% | |
| Artisan Mid-Cap Value Fund 16,697.346 shares | — | — | $266K | $260K | 0.2% | |
| MainStay MacKay High Yield Corporate Bond Fund 49,916.914 shares | — | — | $256K | $259K | 0.2% | |
| Fidelity International Index Fund 2,892.612 shares | — | — | $127K | $138K | <0.1% | |
| Fidelity Real Estate Index Fund 5,527.370 shares | — | — | $86K | $89K | <0.1% | |
| Fidelity Inflation-Protected Bond Index Fund 4,050.347 shares | — | — | $38K | $36K | <0.1% | |
| Fidelity International Small-Cap Fund 341.699 shares | — | — | $10K | $10K | <0.1% | |
| Victory Sycamore Small Company Opportunity Fund 144.897 shares | — | — | $7K | $7K | <0.1% | |
| Brown Advisory Small-Cap Growth Fund 122.115 shares | — | — | $5K | $6K | <0.1% | |
| Fidelity Freedom Index 2070 Fund | — | — | $2K | $2K | <0.1% |
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