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Original filing (PDF)20250709095638NAL0007447520001
ONEONTA TRADING CORPORATION
Form 5500
FILING_RECEIVED
CUSTONE 401(K) PLAN
401(k) retirement plan
Active participants
1,350
Accounts w/ balance
363
Plan assets (EOY)
$16.1M
Net assets (EOY)
$16.1M
How this plan invests
This plan
33 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
- 42 bps in Schedule C fees — modestly above peer band of 29 bps.
- Only 27% 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 ONEONTA TRADING CORPORATION.
Plan sponsor
Name
ONEONTA TRADING CORPORATION
EIN
91-0348108
Address
1 ONEONTA DRIVE · WENATCHEE, WA · 98801
Phone
(509) 888-5095
Industry
Agriculture, Forestry, Fishing, Huntingsee 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
2025-07-09
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $23K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENSLER LLC DBA SCS | — | BELLEVUE, WA | INVESTMENT ADVISOR | $32K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $11K | — |
Investments
33 direct securities· $16.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| The Vanguard Group Vanguard 500 Index Admiral | — | — | — | $1.6M | 9.8% | |
| The Vanguard Group Vanguard Growth Index Adm | — | — | — | $1.5M | 9.4% | |
| The Vanguard Group Vanguard Target Retirement 2035 Inv | — | — | — | $1.5M | 9.0% | |
| The Vanguard Group Vanguard Mid Cap Index Fund - Admiral | — | — | — | $1.3M | 7.8% | |
| The Vanguard Group Vanguard Information Technology Idx Adm | — | — | — | $1.0M | 6.3% | |
| The Vanguard Group Vanguard Target Retirement 2040 Inv | — | — | — | $976K | 6.1% | |
| The Vanguard Group Vanguard Target Retirement 2045 Inv | — | — | — | $915K | 5.7% | |
| The Vanguard Group Vanguard Value Index Adm | — | — | — | $772K | 4.8% | |
| Empower Annuity Insurance Co. Guaranteed Interest Contracts of America Contracts | — | — | — | $772K | 4.8% | |
| The Vanguard Group Vanguard Developed Markets Index Admiral | — | — | — | $703K | 4.4% | |
| The Vanguard Group Vanguard Small Cap Index Adm | — | — | — | $677K | 4.2% | |
| The Vanguard Group Vanguard Target Retirement 2025 Inv | — | — | — | $617K | 3.8% | |
| T. Rowe Price T. Rowe Price Mid Cap Gr Inst | — | — | — | $577K | 3.6% | |
| The Vanguard Group Vanguard Target Retirement 2030 Inv | — | — | — | $559K | 3.5% | |
| The Vanguard Group Vanguard Target Retirement 2050 Inv | — | — | — | $458K | 2.8% | |
| John Hancock Investments John Hancock Disciplined Value Mid Cap R6 | — | — | — | $422K | 2.6% | |
| Participants Participant Notes Receivable Rates of 4.25% to 9.50% - | — | — | — | $422K | 2.6% | |
| The Vanguard Group Vanguard Interm-Term Bond Index Adm | — | — | — | $302K | 1.9% | |
| The Vanguard Group Vanguard Emerging Mkts Stock Idx Adm | — | — | — | $218K | 1.4% | |
| The Vanguard Group Vanguard Target Retirement 2055 Inv | — | — | — | $160K | 1.0% | |
| T. Rowe Price T. Rowe Price Dividend Growth I | — | — | — | $115K | 0.7% | |
| Dimensional Fund Advisors DFA International Core Equity I | — | — | — | $112K | 0.7% | |
| The Vanguard Group Vanguard Inflation-Protected Secs Adm | — | — | — | $91K | 0.6% | |
| The Vanguard Group Vanguard Target Retirement 2060 Inv | — | — | — | $90K | 0.6% | |
| Dimensional Fund Advisors DFA Emerging Markets Small Cap I | — | — | — | $69K | 0.4% | |
| PIMCO Total Return Instl | — | — | — | $60K | 0.4% | |
| The Vanguard Group Vanguard Target Retirement 2065 Inv | — | — | — | $58K | 0.4% | |
| Dimensional Fund Advisors DFA Global Equity I | — | — | — | $58K | 0.4% | |
| The Vanguard Group Vanguard Target Retirement 2020 Inv | — | — | — | $28K | 0.2% | |
| Capital Group American Funds New Perspective R6 | — | — | — | $25K | 0.2% | |
| Brandywine GLOBAL Brandywineglobal Corporate Credit Is | — | — | — | $23K | 0.1% | |
| The Vanguard Group Vanguard Target Retirement Income Inv | — | — | — | $5K | <0.1% | |
| Virtus Investment Partners Virtus Kar Mid-Cap Growth R6 | — | — | — | $2K | <0.1% |
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