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Original filing (PDF)20251008170636NAL0006172161001
ALLEN DISTRIBUTION
Form 5500
FILING_RECEIVED
ALLEN DISTRIBUTION 401(K) AND PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
~142 bps in Sched C fees
Active participants
1,040
Accounts w/ balance
1,665
Plan assets (EOY)
$13.3M
Net assets (EOY)
$13.3M
How this plan invests
This plan
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 142 bps in Schedule C fees — 391% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ALLEN DISTRIBUTION.
Plan sponsor
Name
ALLEN DISTRIBUTION
EIN
25-1576445
Address
1532 COMMERCE AVENUE · CARLISLE, PA · 17015
Phone
(717) 258-3040
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
2025-10-08
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3B · Covers self-employed individuals
3H · Sponsor in controlled / affiliated group
2A · Age/service weighted or new comparability
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
BOYER & RITTER LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AME | 84-0467907 | GREENWOOD VILLAGE, OH | RECORDKEEPER | $74K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | — | NEW YORK, NY | INVESTMENT ADVISOR | $29K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PA RETIREMENT SOLUTIONS | 27-2487837 | HARRISBURG, PA | THIRD PARTY ADMIN | $87K | — |
Investments
26 direct securities· $14.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom Index 2025 Instl Premium 130,470.89 Shares | — | — | — | $2.4M | 18.2% | |
| Fidelity Freedom Index 2035 Instl Premium 97,505.91 Shares | — | — | — | $2.3M | 17.1% | |
| Fidelity Freedom Index 2030 Instl Premium 68,113.80 Shares | — | — | — | $1.4M | 10.3% | |
| Fidelity Freedom Index 2040 Instl Premium 42,647.64 Shares | — | — | — | $1.0M | 7.9% | |
| Fidelity Freedom Index 2045 Instl Premium 35,556.94 Shares | — | — | — | $922K | 6.9% | |
| Fidelity Freedom Index 2050 Instl Premium 30,501.37 Shares | — | — | — | $792K | 5.9% | |
| Fidelity Freedom Index 2055 Instl Premium 34,606.09 Shares | — | — | — | $740K | 5.6% | |
| Fixed Income Investment Contract * EI Fixed Account - Series Class I N/A | — | — | — | $612K | 4.6% | |
| Fidelity 500 Index 2,786.28 Shares | — | — | — | $569K | 4.3% | |
| Fidelity Freedom Index 2060 Instl Premium 29,354.36 Shares | — | — | — | $532K | 4.0% | |
| in 2025. During 2023, the Plan Sponsor inadvertently failed to timely remit to the Plan's custodian certain employee contributions totaling $454,560. Lost earnings on 2023 late deposits were remitted to the plan | — | — | — | $455K | 3.4% | |
| Participant Loan Contributions Not Payments are Not Corrected Outside Pending Correction Corrected Included of VFCP in VFCP $ | — | — | $193K | $455K | 3.4% | |
| Fidelity Large Cap Growth Index 10,346.82 Shares | — | — | — | $405K | 3.0% | |
| Fidelity US Bond Index 34,156.92 Shares | — | — | — | $349K | 2.6% | |
| Fidelity Freedom Index 2065 Instl Premium 21,093.16 Shares | — | — | — | $309K | 2.3% | |
| Fidelity Large Cap Value Index 16,669.62 Shares | — | — | — | $302K | 2.3% | |
| Fidelity Freedom Index 2020 Instl Premium 17,677.27 Shares | — | — | — | $279K | 2.1% | |
| During 2024, the Plan Sponsor inadvertently failed to timely remit to the Plan's custodian certain employee contributions totaling $193,236. Lost earnings on 2024 late deposits will be remitted to the plan | — | — | — | $193K | 1.5% | |
| Fidelity International Index 2,561.74 Shares | — | — | — | $122K | 0.9% | |
| Fidelity Mid Cap Index 2,433.90 Shares | — | — | — | $82K | 0.6% | |
| Registered Investment Companies American Funds EuroPacific GR R6 1,168.64 Shares | — | — | — | $63K | 0.5% | |
| Fidelity Small Cap Index 1,595.49 Shares | — | — | — | $44K | 0.3% | |
| PGIM Total Return Bond R6 2,843.04 Shares | — | — | — | $34K | 0.3% | |
| PGIM US Real Estate R6 1,758.26 Shares | — | — | — | $27K | 0.2% | |
| Fidelity Freedom Index 2015 Instl Premium 755.69 Shares | — | — | — | $11K | <0.1% | |
| Fidelity Freedom Index 2010 Instl Premium 197.97 Shares | — | — | — | $3K | <0.1% |
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