Filings through Sep 24, 2026.

Retirement plan

Moynihan Lumber Profit Sharing Plan

Name: MOYNIHAN-NORTH READING LUMBER, INC. - MOYNIHAN LUMBER PROFIT SHARING PLAN (2024) Form 5500
Creator: MOYNIHAN-NORTH READING LUMBER, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MOYNIHAN LUMBER PROFIT SHARING PLAN, MOYNIHAN-NORTH READING LUMBER, INC.

Moynihan-North Reading Lumber, Inc.EIN 04-2261995Plan #001PY 2024

164 CHESTNUT STREET - NORTH READING, MA 01864781-944-8500LinkedIn51-200 employeesbuilding materials

Prospect flagsLow returnsHigh feesLow participant contributionFew collective trustsFund lineup: 13 funds, $11.0M

How to read this page

Total assets (EOY)

$11.6M

-0.5% from 2023

Total participants

156

+1.3% from 2023

Average account balance

$88,592

-0.5% from 2023

Annual return

10.13%

-1.21 pp from 2023

Benchmarks

See 2,319 peers

Peer group

Industry44 - Retail Trade

Plan typeDefined contribution

Participants100-249

Cohort2,319 peers

Snapshot2024

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Analytics

See the 10-year trajectory with Solo.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
ROCKLAND TRUST3 years Service code 27 101 ARCH STREET, STE. 2020 · BOSTON, MA 02110	Advisory (Plan)	$57,683
BENEFIT PLANS ADMIN SERVICES, INC.3 years Service code 15 · EIN 16-1503696	Recordkeeping	$31,338
FORVIS MAZARS, LLP3 years Filed as: MAZARS USA, LLP Service code 10 · EIN 13-1459550	Accounting	$26,250

Fund lineup

CSV with Pro

13 funds of $250K or more; 19 lines in all, holding $11.0M of the plan's $11.6M. From the 2024 filing. Recordkeeper: Benefit Plans Admin Services.

In collective trusts2%median 0% for plans of $5M to $50M (34,889 plans)

In index funds76%median 21% for plans of $5M to $50M (34,889 plans)

In the main target-date series0%median 35% for plans of $5M to $50M (34,889 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
Vanguard 500 Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$3.3M	30.5%
Vanguard Interm-Tm Bd Index Adm Vanguard · Mutual fund Index	Vanguard	Mutual fund	$2.3M	20.8%
Vanguard SH Term BD Index Adm Vanguard · Mutual fund Index	Vanguard	Mutual fund	$836K	7.6%
Vanguard Total Stock Market Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$653K	6.0%
DFA Glbl Real Estate Securitie Dimensional · Mutual fund	Dimensional	Mutual fund	$392K	3.6%
Vanguard Inflatn-Prot Sec Adm Vanguard · Mutual fund	Vanguard	Mutual fund	$390K	3.6%
Vanguard Mid-Cap Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$379K	3.5%
Invesco Ivesc Opp Stpth Mlp Invesco · Mutual fund	Invesco	Mutual fund	$338K	3.1%
PIMCO Hi Yield Spectrum PIMCO (Allianz) · Mutual fund	PIMCO (Allianz)	Mutual fund	$329K	3.0%
DFA Commodity Strategy Portfolio Shares Dimensional · Mutual fund	Dimensional	Mutual fund	$319K	2.9%

See the other 9 lines in this lineup with Solo.

Covers 60,908 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2A2E2F2G2J2T3D3H

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
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.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$115K

$873 / participant

Investment mgmt$58K50.0%
Contract admin$31K27.2%
Other / not subdivided$26K22.8%

% of EOY assets

0.993%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: FORVIS MAZARS, LLP
Auditor EIN: 440160260
Audit fees: $26,250
Opinion code: Unqualified

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Provider

Service type

Compensation

ROCKLAND TRUST3 years

Service code 27

101 ARCH STREET, STE. 2020 · BOSTON, MA 02110

Advisory (Plan)

$57,683

BENEFIT PLANS ADMIN SERVICES, INC.3 years

Service code 15 · EIN 16-1503696

Recordkeeping

$31,338

FORVIS MAZARS, LLP3 years

Filed as: MAZARS USA, LLP

Service code 10 · EIN 13-1459550

Accounting

$26,250

Fund

Dollars

% of funds%

Vanguard 500 Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$3.3M

30.5%

Vanguard Interm-Tm Bd Index Adm

Vanguard · Mutual fund

Index

$2.3M

20.8%

Vanguard SH Term BD Index Adm

Vanguard · Mutual fund

Index

$836K

7.6%

Vanguard Total Stock Market Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$653K

6.0%

DFA Glbl Real Estate Securitie

Dimensional · Mutual fund

$392K

3.6%

Vanguard Inflatn-Prot Sec Adm

Vanguard · Mutual fund

$390K

3.6%

Vanguard Mid-Cap Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$379K

3.5%

Invesco Ivesc Opp Stpth Mlp

Invesco · Mutual fund

$338K

3.1%

PIMCO Hi Yield Spectrum

PIMCO (Allianz) · Mutual fund

$329K

3.0%

DFA Commodity Strategy Portfolio Shares

Dimensional · Mutual fund

$319K

2.9%

Moynihan Lumber Profit Sharing Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Moynihan Lumber Profit Sharing Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion