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Original filing (PDF)20251006134806NAL0003711665001
THE NIELLO COMPANY
Form 5500
FILING_RECEIVED
THE NIELLO COMPANY 401(K) PLAN & TRUST
401(k) retirement plan
Signals · 2
37% in single holdingNo recordkeeper disclosed
Active participants
633
Accounts w/ balance
672
Plan assets (EOY)
$65.1M
Net assets (EOY)
$65.1M
How this plan invests
This plan
15 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)
85
/ 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
81
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Aggressive MAP Freedom 401(k) Common/Collective Trust" is 37% of plan.
- 30 bps in Schedule C fees — 87% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE NIELLO COMPANY.
Plan sponsor
Name
THE NIELLO COMPANY
EIN
94-2636553
Address
1481 RIVER PARK DR. · SACRAMENTO, CA · 95815
Phone
(916) 643-7300
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
2025-10-06
Pension benefit codes
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)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
POMARES & CO.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPTRUST INVESTMENT ADVISORS | — | CLARKSTON, MI | INVESTMENT ADVISOR | $139K | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MILLIMAN, INC. | 91-0675641 | — | NONE | $56K | — |
| CHARLES SCHWAB TRUST BANK | 82-3967259 | — | NONE | $0 | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
Investments
13 direct securities · 15 pooled funds· $69.3M(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
$61.6M
15 holdings
Uncategorized
$7.7M
13 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AGGRESSIVE MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3787800 / PN 184 | Common Collective Trust | — | — | $24.3M | 37.4% | |
| GROWTH MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3773972 / PN 183 | Common Collective Trust | — | — | $12.2M | 18.8% | |
| MODERATE MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3768480 / PN 182 | Common Collective Trust | — | — | $9.4M | 14.4% | |
| NT Col S&P 500 Idx Fd - DC - NL - 4 Common/Collective Trust | — | — | — | $4.0M | 6.2% | |
| NT CIT S&P INDEX DC NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 247 | Common Collective Trust | — | — | $4.0M | 6.2% | |
| T. ROWE PRICE BLUE CHIP GRTH TR-T6 T. ROWE PRICE · EIN 80-0470272 / PN 004 | Common Collective Trust | — | — | $3.3M | 5.1% | |
| CONSERVATIVE MANAGED ACCT PORT MAP GREAT GRAY TRUST · EIN 46-3750663 / PN 181 | Common Collective Trust | — | — | $2.9M | 4.4% | |
| RELIANCE NY LIFE ANCHOR SERIES 1 RELIANCE TRUST COMPANY · EIN 46-6350416 / PN 001 | Common Collective Trust | — | — | $2.2M | 3.3% | |
| MFS LARGE CAP VALUE CIT CLASS CT GREAT GRAY TRUST · EIN 38-7275332 / PN 781 | Common Collective Trust | — | — | $1.1M | 1.8% | |
| Principal SmallCap Growth I R6 Mutual Fund | — | — | — | $936K | 1.4% | |
| Participant Loans Participant Loans | — | — | — | $734K | 1.1% | |
| INCOME MANAGED ACCOUNT PORT MAP GREAT GRAY TRUST · EIN 46-3745190 / PN 180 | Common Collective Trust | — | — | $686K | 1.1% | |
| American Beacon Small Cap Value R6 Mutual Fund | — | — | — | $561K | 0.9% | |
| GR GRAY EUROPACIFIC GWTH CT GREAT GRAY TRUST · EIN 38-7289843 / PN 001 | Common Collective Trust | — | — | $507K | 0.8% | |
| Dodge & Cox International Stock X Mutual Fund | — | — | — | $385K | 0.6% | |
| MFS MID CAP GROWTH FUND CT GREAT GRAY TRUST · EIN 38-4126294 / PN 597 | Common Collective Trust | — | — | $370K | 0.6% | |
| Dodge & Cox Income X Mutual Fund | — | — | — | $343K | 0.5% | |
| MFS MID CAP VALUE FUND CT GREAT GRAY TRUST · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $317K | 0.5% | |
| NT Col Ext Eq Mkt Idx Fd - DC Common/Collective Trust | — | — | — | $245K | 0.4% | |
| NT CIT EXTND MKT INDEX DC NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 149 | Common Collective Trust | — | — | $245K | 0.4% | |
| PIMCO Income Instl Mutual Fund | — | — | — | $140K | 0.2% | |
| Brandywine Global Opp Bond I Mutual Fund | — | — | — | $100K | 0.2% | |
| Cash | — | — | — | $89K | 0.1% | |
| Allianz Life Insurance Cash Surrender Value of Insurance | — | — | — | $85K | 0.1% | |
| Vanguard Emerging Market Idx Adm Mutual Fund | — | — | — | $42K | <0.1% | |
| Schwab Government Money Fund Money Market Fund | — | — | — | $24K | <0.1% | |
| NT CIT AGGREGATE BOND INDEX NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 151 | Common Collective Trust | — | — | $23K | <0.1% | |
| NT CIT ACWI EX-US IMI DC NL T4 NORTHERN TRUST · EIN 45-6138589 / PN 204 | Common Collective Trust | — | — | $2K | <0.1% |