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Original filing (PDF)20250731160547NAL0008859056001
SUMMERWINDS GARDEN CENTERS, INC.
Form 5500
FILING_RECEIVED
SUMMERWINDS 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
166
Accounts w/ balance
215
Plan assets (EOY)
$12.4M
Net assets (EOY)
$12.4M
How this plan invests
This plan
3 pooled trusts
Schedule D
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
- 47 bps in Schedule C fees — 63% 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 SUMMERWINDS GARDEN CENTERS, INC..
Plan sponsor
Name
SUMMERWINDS GARDEN CENTERS, INC.
EIN
82-0500954
Address
305 FEDERAL WAY · SUITE B · BOISE, ID · 83705
Phone
(208) 947-3447
Industry
Retail Tradesee 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
2025-07-31
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
EIDE BAILLY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $25K | — |
| ARBOR POINT ADVISORS LLC | 46-1050183 | — | NONE | $24K | — |
| ECHELON GROUP INC | 82-0492018 | — | NONE | $9K | — |
Investments
25 direct securities · 3 pooled funds· $12.4M(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
$12.1M
25 holdings
Common Collective Trust
$219K
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Metropolitan West Total Return Bond I Mutual fund N/A | — | — | — | $2.4M | 19.2% | |
| Vanguard 500 Index Admiral Mutual fund N/A | — | — | — | $2.3M | 18.3% | |
| MSF International Growth R5 Mutual fund N/A | — | — | — | $1.4M | 11.4% | |
| Standard Stable Asset D Guaranteed Investment Contract N/A | — | — | — | $1.2M | 9.8% | |
| Mainstay Winslow Large Cap Growth Funds, Class 1 Mutual fund N/A | — | — | — | $987K | 8.0% | |
| JPMorgan Us Value R6 Mutual fund N/A | — | — | — | $850K | 6.9% | |
| JPMorgan Small Cap Growth R6 Mutual fund N/A | — | — | — | $473K | 3.8% | |
| Vanguard Wellington Admiral Mutual fund N/A | — | — | — | $452K | 3.7% | |
| Vanguard Mid-Cap Value Index Admiral Mutual fund N/A | — | — | — | $298K | 2.4% | |
| Vanguard Mid-Cap Growth Index Admiral Mutual fund N/A | — | — | — | $287K | 2.3% | |
| Vanguard Mid Cap Index Adm Mutual fund N/A | — | — | — | $241K | 2.0% | |
| Vanguard Small Cap Index Adm Mutual fund N/A | — | — | — | $224K | 1.8% | |
| American Funds Small Cap World R6 Mutual fund N/A | — | — | — | $201K | 1.6% | |
| FLEXPATH INDEX MOD 2045 R1 GREAT GRAY · EIN 47-2516187 / PN 220 | Common Collective Trust | — | — | $196K | 1.6% | |
| Vanguard Specialized FD Vanguard RE Index Admiral Mutual fund N/A | — | — | — | $194K | 1.6% | |
| American Funds New Perspective R6 Mutual fund N/A | — | — | — | $158K | 1.3% | |
| Notes receivable from participants Maturing 2025 to 2034 Interest rates of 3.25-8.50% - | — | — | — | $145K | 1.2% | |
| Vanguard Total Bond Market Index Adm Mutual fund N/A | — | — | — | $126K | 1.0% | |
| JPMorgan Mid-Cap Growth R6 Mutual fund N/A | — | — | — | $87K | 0.7% | |
| JPMorgan Us Equity R6 Mutual fund N/A | — | — | — | $65K | 0.5% | |
| Blackrock Emerging Mkts K Mutual fund N/A | — | — | — | $30K | 0.2% | |
| Vanguard Developed Markets Index Admiral Mutual fund N/A | — | — | — | $25K | 0.2% | |
| Fidelity Advisor International Small Cap Fund Class Z Mutual fund N/A | — | — | — | $21K | 0.2% | |
| FLEXPATH INDEX AGGR 2035 R1 GREAT GRAY · EIN 47-2468898 / PN 216 | Common Collective Trust | — | — | $20K | 0.2% | |
| Wilmington Tr Collective Invt Flexpath Ind R1 Mutual fund N/A | — | — | — | $7K | <0.1% | |
| American Century Small Cap Value R6 Mutual fund N/A | — | — | — | $3K | <0.1% | |
| Wilmington TR Coll Flxpath Indx Cons Retire FD CL R1 Common collective fund N/A | — | — | — | $3K | <0.1% | |
| FLEXPATH INDEX CONS RET R1 GREAT GRAY · EIN 47-2264760 / PN 212 | Common Collective Trust | — | — | $3K | <0.1% |
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