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Original filing (PDF)20260206190118NAL0003399475001
NORTHWINDS HOLDING, INC. HTTPS//RGF.FISGLOBAL.COM/5500CLIEN
Form 5500
FILING_RECEIVED
NORTHWINDS HOLDING, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
Late filing · 2.7 mo
Active participants
826
Accounts w/ balance
998
Plan assets (EOY)
$49.3M
Net assets (EOY)
$49.3M
How this plan invests
This plan
1 pooled trust
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
89
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Filed 2.7 months past the 10.5-month grace window.
Helping the score
- Below-peer total fees (17 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NORTHWINDS HOLDING, INC. HTTPS//RGF.FISGLOBAL.COM/5500CLIEN.
Plan sponsor
Name
NORTHWINDS HOLDING, INC. HTTPS//RGF.FISGLOBAL.COM/5500CLIEN
EIN
87-3289944
Address
50 HOLLEDER PARKWAY · ROCHESTER, NY · 14615
Phone
(585) 546-1400
Industry
Plumbing, Heating, AC Contractors· Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2026-02-06
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BOWERS CPA'S AND ADVISORS PPLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $29K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SAGE RUTTY & CO., INC. | 16-0620690 | — | INVESTMENT/FINANCIAL ADVI | $55K | — |
Investments
31 direct securities · 1 pooled fund· $48.4M(98% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Registered Investment Companies
$48.4M
31 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD 500 INDEX FUND - ADM | Registered Investment Companies | — | — | $7.7M | 15.5% | |
| VAN TARGET RETIRE 2025 | Registered Investment Companies | — | — | $4.3M | 8.7% | |
| VANG EQUITY INC ADM | Registered Investment Companies | — | — | $3.6M | 7.2% | |
| MFS GROWTH FUND R6 | Registered Investment Companies | — | — | $3.1M | 6.2% | |
| VANGUARD FEDERAL MM INV | Registered Investment Companies | — | — | $3.0M | 6.1% | |
| VAN TARGET RETIRE 2045 | Registered Investment Companies | — | — | $2.6M | 5.3% | |
| FIDELITY INTERNATIONAL GROWTH | Registered Investment Companies | — | — | $2.5M | 5.0% | |
| VAN TARGET RETIRE 2035 | Registered Investment Companies | — | — | $2.4M | 4.9% | |
| VOYA INTERMEDIATE BOND R6 | Registered Investment Companies | — | — | $2.3M | 4.6% | |
| VANGUARD MID CAP INDEX - ADM | Registered Investment Companies | — | — | $1.8M | 3.6% | |
| VAN TARGET RETIRE 2050 | Registered Investment Companies | — | — | $1.8M | 3.6% | |
| VAN TARGET RETIRE 2040 | Registered Investment Companies | — | — | $1.6M | 3.3% | |
| VAN TARGET RETIRE 2055 | Registered Investment Companies | — | — | $1.4M | 2.8% | |
| VAN TARG RETIRE 2065 | Registered Investment Companies | — | — | $1.2M | 2.4% | |
| VAN TARG RETIRE 2060 | Registered Investment Companies | — | — | $1.1M | 2.3% | |
| VANGUARD SMALL CAP INDEX ADMRL | Registered Investment Companies | — | — | $1.1M | 2.2% | |
| ALLSPRING SPECIAL MC VAL R6 | Registered Investment Companies | — | — | $963K | 2.0% | |
| AMER FUNDS NEW PERSP R6 | Registered Investment Companies | — | — | $778K | 1.6% | |
| VAN TARGET RETIRE 2030 | Registered Investment Companies | — | — | $762K | 1.5% | |
| MFS MID CAP GROWTH R6 | Registered Investment Companies | — | — | $692K | 1.4% | |
| DFA REAL ESTATE SEC PORT INST | Registered Investment Companies | — | — | $685K | 1.4% | |
| DFA US TARGETED VAL PORT INST | Registered Investment Companies | — | — | $683K | 1.4% | |
| AMC SMALL CAP GROWTH - R6 | Registered Investment Companies | — | — | $648K | 1.3% | |
| FID EMERGING MARKETS INDEX | Registered Investment Companies | — | — | $541K | 1.1% | |
| AMERFUNDS AMER BALANCED - R6 | Registered Investment Companies | — | — | $447K | 0.9% | |
| VAN TARGET RETIRE 2020 | Registered Investment Companies | — | — | $276K | 0.6% | |
| VAN TARGET RETIRE INC | Registered Investment Companies | — | — | $150K | 0.3% | |
| VANGUARD DEV MKT INDEX ADMIRAL | Registered Investment Companies | — | — | $142K | 0.3% | |
| PGIM HIGH YIELD FUND R6 | Registered Investment Companies | — | — | $133K | 0.3% | |
| DFA INFLATION PROT SEC INST | Registered Investment Companies | — | — | $128K | 0.3% | |
| DFA INT GOVT FIXED INC INST | Registered Investment Companies | — | — | $16K | <0.1% | |
| PIMCO STABLE INCOME FUND SEI TRUST COMPANY · EIN 45-4313627 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |