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Original filing (PDF)20251014102302NAL0002615457001
SHEPPARD BUS SERVICE, INC.
Form 5500
FILING_RECEIVED
SHEPPARD BUS SERVICE, INC. EMPLOYEES SAVINGS TRUST
401(k) retirement plan
Active participants
521
Accounts w/ balance
198
Plan assets (EOY)
$5.5M
Net assets (EOY)
$5.5M
How this plan invests
This plan
1 pooled trust
Schedule D
25 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
100
Vendor stack
100
Participation health
65
Knocking points off
- Only 38% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Below-peer total fees (6 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SHEPPARD BUS SERVICE, INC..
Plan sponsor
Name
SHEPPARD BUS SERVICE, INC.
EIN
22-1734132
Address
300 M STREET · MILLVILLE, NJ · 08332
Phone
(856) 765-3812
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
2025-10-14
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
ADAMSBROWN, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $1K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MANAGER | $314 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS HOLDINGS INC. | — | SAN DIEGO, CA | CONTRACT ADMIN | $2K | — |
Investments
24 direct securities · 1 pooled fund· $10.0M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$5.1M
24 holdings
Pooled Separate Account
$4.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT 401 TALCOTT RESOLUTION LIFE INSURANCE COMPANY · EIN 06-0974148 / PN 000 | Pooled Separate Account | — | — | $4.9M | 88.3% | |
| BlackRock S&P 500 Index V.I.III. Fund Variable Annuity | — | — | — | $961K | 17.4% | |
| American Funds Capital World Growth and Income Fund Variable Annuity | — | — | — | $795K | 14.4% | |
| JPMorgan Large Cap Growth Fund Variable Annuity | — | — | — | $692K | 12.5% | |
| BlackRock Equity Dividend Fund Variable Annuity | — | — | — | $455K | 8.2% | |
| Fidelity Advisor Total Bond Fund Variable Annuity | — | — | — | $444K | 8.0% | |
| General Account Fixed Annuity | — | — | — | $424K | 7.7% | |
| American Funds Capital Income Builder Fund Variable Annuity | — | — | — | $322K | 5.8% | |
| BlackRock Total Return Fund Variable Annuity | — | — | — | $227K | 4.1% | |
| Hartford Balanced Income Fund Variable Annuity | — | — | — | $210K | 3.8% | |
| BNYM Mellon NSL Agg Bond Index Fund Variable Annuity | — | — | — | $169K | 3.1% | |
| Fidelity Advisor New Insights Fund Variable Annuity | — | — | — | $134K | 2.4% | |
| American Funds 2030 Target Date Fund Variable Annuity | — | — | — | $76K | 1.4% | |
| American Funds 2050 Target Date Fund Variable Annuity | — | — | — | $43K | 0.8% | |
| American Funds 2025 Target Date Fund Variable Annuity | — | — | — | $35K | 0.6% | |
| BNYM Mellon NSL International Fund Variable Annuity | — | — | — | $27K | 0.5% | |
| American Funds 2040 Target Date Fund Variable Annuity | — | — | — | $24K | 0.4% | |
| American Funds 2035 Target Date Fund Variable Annuity | — | — | — | $23K | 0.4% | |
| American Funds 2055 Target Date Fund Variable Annuity | — | — | — | $17K | 0.3% | |
| American Funds 2045 Target Date Fund Variable Annuity | — | — | — | $17K | 0.3% | |
| American Funds 2060 Target Date Fund Variable Annuity | — | — | — | $13K | 0.2% | |
| Pimco Real Return Fund Variable Annuity | — | — | — | $6K | 0.1% | |
| Franklin Income Fund Variable Annuity | — | — | — | $5K | <0.1% | |
| Franklin High Income Fund Variable Annuity | — | — | — | $3K | <0.1% | |
| Templeton Gobal Bond Fund Variable Annuity | — | — | — | $2K | <0.1% |