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Original filing (PDF)20251014151518NAL0003136545001
SMITH GARDENS, INC.
Form 5500
FILING_RECEIVED
SMITH GARDENS 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
445
Accounts w/ balance
305
Plan assets (EOY)
$13.1M
Net assets (EOY)
$13.1M
How this plan invests
This plan
13 pooled trusts
Schedule D
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
80
Knocking points off
- 56 bps in Schedule C fees — 94% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- 69% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SMITH GARDENS, INC..
Plan sponsor
Name
SMITH GARDENS, INC.
EIN
91-1056759
Address
4164 MERIDIAN STREET, SUITE 400 · BELLINGHAM, WA · 98226
Phone
(360) 733-4671
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
2025-10-14
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LARSON GROSS ASSURANCE, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RPA FINANCIAL, LLC | 83-1143379 | — | INVESTMENT ADVISORY | $36K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $37K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION PLAN SPECIALISTS, PC | 26-1570786 | — | OTHER SERVICES | $0 | — |
Investments
14 direct securities · 13 pooled funds· $13.1M(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.
Common Collective Trust
$8.6M
13 holdings
Uncategorized
$4.5M
14 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRINCIPAL LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $1.6M | 12.3% | |
| PRINCIPAL LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $1.6M | 12.0% | |
| PRINCIPAL LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $1.2M | 9.3% | |
| PRINCIPAL LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $1.1M | 8.4% | |
| Vanguard 500 Index Admiral Fd Mutual Fund | — | — | — | $861K | 6.5% | |
| JP Morgan Large Cap Gr R6 Fd Mutual Fund | — | — | — | $753K | 5.7% | |
| PRINCIPAL LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $726K | 5.5% | |
| PRINCIPAL LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $699K | 5.3% | |
| PRINCIPAL LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $535K | 4.1% | |
| PRINCIPAL LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $535K | 4.1% | |
| PIMCO Income Institutional Fd Mutual Fund | — | — | — | $522K | 4.0% | |
| Vanguard Explorer Admiral Fund Mutual Fund | — | — | — | $422K | 3.2% | |
| Vgd Ttl Intl Stk Idx Adm Fd Mutual Fund | — | — | — | $291K | 2.2% | |
| Vanguard Mid Cap Index Adm Fd Mutual Fund | — | — | — | $288K | 2.2% | |
| Prin Fixed Inc Guar Option Guaranteed Investment Contract ** | — | — | — | $282K | 2.1% | |
| PRINCIPAL LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $257K | 2.0% | |
| American Fds WshMut Inv R6 Fd Mutual Fund | — | — | — | $247K | 1.9% | |
| PRINCIPAL LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $230K | 1.7% | |
| Vanguard Sm Cap Index Adm Fund Mutual Fund | — | — | — | $229K | 1.7% | |
| Vanguard Ttl Bd Mkt Idx Adm Fd Mutual Fund | — | — | — | $226K | 1.7% | |
| DFA US Targeted Value I Fund Mutual Fund | — | — | — | $206K | 1.6% | |
| PRINCIPAL LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $92K | 0.7% | |
| Am Fds Bd Fd of Am R6 Fd Mutual Fund | — | — | — | $83K | 0.6% | |
| MFS Intl Diversification R6 Fd Mutual Fund | — | — | — | $63K | 0.5% | |
| DFA Global Real Estate Sc I Fd Mutual Fund | — | — | — | $54K | 0.4% | |
| PRINCIPAL LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $16K | 0.1% | |
| PRINCIPAL LIFETIME HYBR 2070 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO. · EIN 26-6447574 / PN 014 | Common Collective Trust | — | — | $355 | <0.1% |
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