Retirement plan

SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC EMPLOYEES' TRUST

Name: SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC - SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC EMPLOYEES' TRUST (2025) Form 5500
Creator: SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC EMPLOYEES' TRUST, SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC

SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLCEIN 04-1123650Plan #001PY 2025

45 COMMERCE WAY - NORTON, MA 02766508-587-1110

Other plans on this EIN

1 filing

#002Retirement-$22.3M assets

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$69.9M

+11.8% from 2024

Total participants

258

-2.6% from 2024

Average account balance

$295,044

+13.3% from 2024

Annual return

14.76%

-10.48 pp from 2024

Benchmarks

See 799 peers

Peer group

Industry42 - Wholesale Trade

Plan typeDefined contribution

Participants100-249

Cohort799 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$69.93M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$295K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

237

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

89.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.24M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$16K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+14.76%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$893

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 4 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$154,731
WORLD INVESTMENT ADVISORS LLC2 years Service code 27 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101	Advisory (Plan)	$28,262
RAPHAEL AND RAPHAEL, LLP3 years Service code 10 312 STUART STREET, 3RD FLOOR · BOSTON, MA 02116	Accounting	$22,250
THE ANGELL PENSION GROUP, INC.3 years Filed as: THE ANGELL PENSION GROUP INC Service code 13 88 BOYD AVENUE · EAST PROVIDENCE, RI 02914	Contract Administrator	$17,244

Plan features & details

Pension benefit codes2E2G2J2K3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$212K

$1017 / participant

Other / not subdivided$212K100.0%

% of EOY assets

0.303%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: RAPHAEL & RAPHAEL LLP
Auditor EIN: 042206126
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$295,044

$91,760+221.5%

$156,181+88.9%

$67,986+334.0%

Participation rate

89.9%

65.0%+24.9pp

78.8%+11.1pp

57.2%+32.7pp

Annual return

14.76%

18.14%-3.4pp

64.87%-50.1pp

31.67%-16.9pp

Employer contribution / active EE

$6,950

$2,419+187.3%

$4,294+61.9%

$2,019+244.3%

Participant deferral / active EE

$8,648

$3,960+118.4%

$6,132+41.0%

$3,358+157.5%

Admin fee / account holder

$893

$3,949-77.4%

$14,586-93.9%

$3,203-72.1%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$154,731

WORLD INVESTMENT ADVISORS LLC2 years

Service code 27

24 E COTA ST STE 200 · SANTA BARBARA, CA 93101

Advisory (Plan)

$28,262

RAPHAEL AND RAPHAEL, LLP3 years

Service code 10

312 STUART STREET, 3RD FLOOR · BOSTON, MA 02116

Accounting

$22,250

THE ANGELL PENSION GROUP, INC.3 years

Filed as: THE ANGELL PENSION GROUP INC

Service code 13

88 BOYD AVENUE · EAST PROVIDENCE, RI 02914

Contract Administrator

$17,244

SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC EMPLOYEES' TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SOUTHERN GLAZER'S WINE AND SPIRITS OF MASSACHUSETTS, LLC EMPLOYEES' TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion