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Original filing (PDF)20251014091438NAL0001158275001
NORTHEAST GROCERY, INC.
Form 5500
FILING_RECEIVED
NORTHEAST GROCERY 401(K) PLAN
401(k) retirement plan
Active participants
17,703
Accounts w/ balance
7,105
Plan assets (EOY)
$552.7M
Net assets (EOY)
$552.7M
How this plan invests
This plan
15 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
80
Vendor stack
100
Participation health
65
Knocking points off
- 8 bps in Schedule C fees — modestly above peer band of 6 bps.
- Only 40% 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 NORTHEAST GROCERY, INC..
Plan sponsor
Name
NORTHEAST GROCERY, INC.
EIN
86-3693178
Address
461 NOTT STREET · SCHENECTADY, NY · 12308
Phone
(518) 355-5000
Industry
Supermarkets & Other Grocery Stores· Retail Tradesee all
Plan administrator
Name
NORTHEAST GROCERY ADMINISTRATIVE COMMITTEE
EIN
93-4813053
City
SCHENECTADY, NY
Phone
(518) 379-1472
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
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)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
TEAL BECKER & CHIARAMONTE CPAS PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $227K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS , LLC | 26-0058143 | — | INVESTMENT ADVISOR | $88K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $79K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TEAL, BECKER & CHIARAMONTE CPA'S P | 14-1624930 | — | ACCOUNTANT/AUDITOR | $10K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HARTER SECREST & EMERY LLP | 16-0766172 | — | ATTORNEY/LEGAL | $25K | — |
Investments
28 direct securities · 15 pooled funds· $832.0M(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
$489.6M
28 holdings
Common Collective Trust
$342.4M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Contrafund Commingled Pool Class A 1,879,703 shares | — | — | — | $85.5M | 15.5% | |
| FID CONTRA POOL CL A FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 133 | Common Collective Trust | — | — | $85.5M | 15.5% | |
| Fidelity 500 Index Fund 367,997 shares | — | — | — | $75.1M | 13.6% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $52.7M | 9.5% | |
| T. Rowe Price Retirement 2030 Trust Cl A 1,413,819 shares | — | — | — | $44.8M | 8.1% | |
| TRP RETIRE 2030 F T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $44.8M | 8.1% | |
| T. Rowe Price Retirement 2045 Trust Cl A 853,798 shares | — | — | — | $31.9M | 5.8% | |
| TRP RETIRE 2045 F T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $31.9M | 5.8% | |
| T. Rowe Price Retirement 2035 Trust Cl A 878,245 shares | — | — | — | $30.0M | 5.4% | |
| TRP RETIRE 2035 F T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $30.0M | 5.4% | |
| T. Rowe Price Retirement 2040 Trust Cl A 656,150 shares | — | — | — | $23.8M | 4.3% | |
| TRP RETIRE 2040 F T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $23.8M | 4.3% | |
| T. Rowe Price Retirement 2025 Trust Cl A 753,410 shares | — | — | — | $21.9M | 4.0% | |
| TRP RETIRE 2025 F T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $21.9M | 4.0% | |
| American Funds New Perspective Fund Class R6 324,348 shares | — | — | — | $20.2M | 3.6% | |
| John Hancock Funds Disciplined Value Fund Class R6 840,398 shares | — | — | — | $18.9M | 3.4% | |
| T. Rowe Price Retirement 2050 Trust Cl A 385,129 shares | — | — | — | $14.5M | 2.6% | |
| TRP RETIRE 2050 F T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $14.5M | 2.6% | |
| T. Rowe Price Retirement 2020 Trust Cl A 489,527 shares | — | — | — | $13.0M | 2.4% | |
| TRP RETIRE 2020 F T. ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $13.0M | 2.4% | |
| T. Rowe Price Retirement 2055 Trust Cl A 321,067 shares | — | — | — | $12.1M | 2.2% | |
| TRP RETIRE 2055 F T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $12.1M | 2.2% | |
| MassMutual Mid Cap Growth Fund Class R5 639,040 shares | — | — | — | $12.0M | 2.2% | |
| BlackRock Ttotal Return Fund Institutional Shares 1,154,398 shares | — | — | — | $11.2M | 2.0% | |
| Fidelity U.S. Bond Index Fund 1,096,857 shares | — | — | — | $11.2M | 2.0% | |
| Fidelity Extended Market Index Fund 118,136 shares | — | — | — | $10.7M | 1.9% | |
| MFS Mid Cap Value Fund ClassR3 348,465 shares | — | — | — | $10.6M | 1.9% | |
| Dodge & Cox International Stock Fund 163,994 shares | — | — | — | $8.2M | 1.5% | |
| Victory Sycamore Small Company Opportunity Fund Class R 192,415 shares | — | — | — | $8.0M | 1.5% | |
| Fidelity International Index Fund 110,231 shares | — | — | — | $5.2M | 0.9% | |
| T. Rowe Price Retirement 2060 Trust Cl A 208,754 shares | — | — | — | $5.0M | 0.9% | |
| TRP RETIRE 2060 F T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $5.0M | 0.9% | |
| MFS International Equity Fund Class R6 134,627 shares | — | — | — | $4.6M | 0.8% | |
| Loomis Sayles Small Cap Growth Fund Institutional Class 129,297 shares | — | — | — | $3.8M | 0.7% | |
| T. Rowe Price Retirement 2015 Trust Cl A 124,274 shares | — | — | — | $3.0M | 0.5% | |
| TRP RETIRE 2015 F T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $3.0M | 0.5% | |
| T. Rowe Price Retirement 2010 Trust Cl A 86,632 shares | — | — | — | $1.9M | 0.4% | |
| TRP RETIRE 2010 F T. ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $1.9M | 0.4% | |
| T. Rowe Price Retirement 2065 Trust Cl A 116,849 shares | — | — | — | $1.8M | 0.3% | |
| TRP RETIRE 2065 F T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | — | $1.8M | 0.3% | |
| T. Rowe Price Retirement 2005 Trust Cl A 22,895 shares | — | — | — | $479K | <0.1% | |
| TRP RETIRE 2005 F T. ROWE PRICE TRUST COMPANY · EIN 61-6434302 / PN 001 | Common Collective Trust | — | — | $479K | <0.1% | |
| Vanguard Federal Money Market Fund 122,730 shares | — | — | — | $123K | <0.1% |