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Original filing (PDF)20251015095342NAL0004513841001
GRAND RIVER NAVIGATION COMPANY, INC.
Form 5500
FILING_RECEIVED
GRAND RIVER NAVIGATION SHORESIDE 401(K) PLAN
401(k) retirement plan
Active participants
123
Accounts w/ balance
100
Plan assets (EOY)
$11.1M
Net assets (EOY)
$11.1M
How this plan invests
This plan
2 pooled trusts
Schedule D
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Knocking points off
- 36 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRAND RIVER NAVIGATION COMPANY, INC..
Plan sponsor
Name
GRAND RIVER NAVIGATION COMPANY, INC.
EIN
16-1465146
Address
500 ESSJAY ROAD · WILLIAMSVILLE, NY · 14221
Phone
(989) 734-8555
Industry
Transportation & Warehousingsee 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
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
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
PKF O'CONNOR DAVIES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $25K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING LLC | 84-4519624 | — | ADVISOR | $15K | — |
Investments
23 direct securities · 2 pooled funds· $11.0M(99% 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.
Uncategorized
$8.7M
22 holdings
Mutual Funds
$1.9M
1 holding
Common Collective Trust
$462K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| S American Funds 2035 Target Date R6 | Mutual Funds | — | $97K | $1.9M | 16.6% | |
| FID 500 Index | — | — | $9K | $1.8M | 16.3% | |
| American Funds 2020 Target Date R6 | — | — | $79K | $1.1M | 9.6% | |
| American Funds 2050 Target Date R6 | — | — | $45K | $938K | 8.4% | |
| American Funds 2030 Target Date R6 | — | — | $51K | $873K | 7.8% | |
| American Funds 2045 Target Date R6 | — | — | $26K | $543K | 4.9% | |
| American Funds 2055 Target Date R6 | — | — | $19K | $510K | 4.6% | |
| American Funds 2040 Target Date R6 | — | — | $25K | $507K | 4.6% | |
| American Funds 2060 Target Date R6 | — | — | $25K | $442K | 4.0% | |
| American Funds 2025 Target Date R6 | — | — | $26K | $387K | 3.5% | |
| MFS Growth R6 | — | — | $2K | $387K | 3.5% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | $364K | $364K | 3.3% | |
| JPMorgan Equity Income R6 | — | — | $11K | $263K | 2.4% | |
| FID Extended Market Index | — | — | $2K | $184K | 1.7% | |
| Principal SmallCap Growth I R6 | — | — | $11K | $169K | 1.5% | |
| FID Total International Index Fund | — | — | $10K | $131K | 1.2% | |
| MFS International Diversification R6 | — | — | $5K | $109K | 1.0% | |
| GG Franklin Small Cap Value | — | — | $5K | $98K | 0.9% | |
| GG FKLN SM CAP VAL GREAT GRAY TRUST COMPANY · EIN 38-4126289 / PN 594 | Common Collective Trust | — | — | $98K | 0.9% | |
| PGIM Total Return Bond R6 | — | — | $6K | $75K | 0.7% | |
| FID US Bond Index | — | — | $6K | $59K | 0.5% | |
| American Funds 2010 Target Date R6 | — | — | $5K | $59K | 0.5% | |
| American Funds 2065 Target Date R3 | — | — | $3K | $53K | 0.5% | |
| American Funds 2015 Target Date R6 779 | — | — | — | $10K | <0.1% | |
| MONEY MARKET FUND SHARES/UNITS * FID Government Money Market K6 | — | — | $3K | $3K | <0.1% |
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