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Original filing (PDF)20250923115151NAL0014690914001
HIGH FALLS OPERATING COMPANY, LLC
Form 5500
FILING_RECEIVED
HIGH FALLS OPERATING CO. LLC HOURLY EMPLOYEES 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
322
Accounts w/ balance
227
Plan assets (EOY)
$16.1M
Net assets (EOY)
$16.1M
How this plan invests
This plan
1 pooled trust
Schedule D
25 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
- 55 bps in Schedule C fees — 90% 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 HIGH FALLS OPERATING COMPANY, LLC.
Plan sponsor
Name
HIGH FALLS OPERATING COMPANY, LLC
EIN
80-0301564
Address
445 ST. PAUL STREET · ROCHESTER, NY · 14605
Phone
(585) 263-9223
Industry
Manufacturingsee all
Plan administrator
Name
AMERICANTCS FIDUCIARY SERVICES, LLC
EIN
93-2789379
City
PITTSBURGH, PA
Phone
(877) 514-5600
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-23
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
3D · Pre-approved plan (master / prototype / VS)
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
2K · 401(m) arrangement
Audit & trust (Schedule H)
Auditor
INSERO & CO. CPAS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| APFS WEALTH MANAGEMENT | — | ROCHESTER, NY | INVESTMENT ADVISOR | $38K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN TRUST COMPANY | 62-0951563 | — | CONTRACT ADMIN | $38K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| INSERO & CO. CPAS LLP | 47-5324570 | — | AUDITOR | $13K | — |
Investments
24 direct securities · 1 pooled fund· $16.1M(100% 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
$13.0M
24 holdings
Common Collective Trust
$3.2M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| UT STABLE VALUE MASTER TRUST AMERICAN TRUST COMPANY · EIN 37-1992955 / PN 008 | Common Collective Trust | — | — | $3.2M | 19.8% | |
| Registered Investment Companies State Street S&P 500 Index N | — | — | — | $2.7M | 16.9% | |
| Dodge & Cox Income Fund | — | — | — | $2.5M | 15.8% | |
| Vanguard Value Index Adm | — | — | — | $1.9M | 12.0% | |
| American Funds Europacific Growth R6 | — | — | — | $753K | 4.7% | |
| MFS Growth R6 | — | — | — | $648K | 4.0% | |
| Vanguard Wellington Adm | — | — | — | $632K | 3.9% | |
| Federated Mid-Cap Index Fund | — | — | — | $513K | 3.2% | |
| Dodge & Cox International Stock | — | — | — | $491K | 3.0% | |
| Vanguard Mid-Cap Value Index Admiral | — | — | — | $474K | 2.9% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $415K | 2.6% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $388K | 2.4% | |
| DFA US Small Cap I | — | — | — | $370K | 2.3% | |
| T. Rowe Price Diversified Mid Cap Growth | — | — | — | $309K | 1.9% | |
| American Funds New World R6 | — | — | — | $230K | 1.4% | |
| DFA US Targeted Value I | — | — | — | $184K | 1.1% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $99K | 0.6% | |
| Vanguard Explorer Adm | — | — | — | $93K | 0.6% | |
| American Funds New Perspective R6 | — | — | — | $85K | 0.5% | |
| DFA Real Estate Securities I | — | — | — | $23K | 0.1% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $12K | <0.1% | |
| PIMCO Commodity Real Return Strategy Fund Adm | — | — | — | $7K | <0.1% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $4K | <0.1% | |
| American Funds US Government Sec R6 | — | — | — | $2K | <0.1% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $2K | <0.1% |
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