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Original filing (PDF)20250725101123NAL0006487745001
CARDINAL OPERATING COMPANY
Form 5500
FILING_RECEIVED
CARDINAL OPERATING COMPANY 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
257
Accounts w/ balance
280
Plan assets (EOY)
$56.7M
Net assets (EOY)
$56.7M
How this plan invests
This plan
1 pooled trust
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (10 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARDINAL OPERATING COMPANY.
Plan sponsor
Name
CARDINAL OPERATING COMPANY
EIN
34-1025410
Address
6677 BUSCH BLVD · COLUMBUS, OH · 43229
Phone
(614) 846-5757
Industry
Utilitiessee 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
2025-07-25
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES INC | 34-1479833 | — | NONE | $56K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
Investments
24 direct securities · 1 pooled fund· $57.4M(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
$55.9M
23 holdings
Common Collective Trust
$1.4M
1 holding
Mutual Funds
$84K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| The Vanguard Group Vanguard 500 Index Admiral | — | — | — | $7.4M | 13.0% | |
| The Vanguard Group Vanguard Target Retirement 2050 INV | — | — | — | $6.7M | 11.8% | |
| The Vanguard Group Vanguard Target Retirement 2030 INV | — | — | — | $6.3M | 11.1% | |
| The Vanguard Group Vanguard Target Retirement 2035 INV | — | — | — | $6.2M | 10.9% | |
| The Vanguard Group Vanguard Target Retirement 2040 INV | — | — | — | $5.1M | 9.0% | |
| The Vanguard Group Vanguard Target Retirement 2045 INV | — | — | — | $4.7M | 8.3% | |
| Harbor Funds Harbor Capital Appreciation FD Instl | — | — | — | $2.6M | 4.5% | |
| The Vanguard Group Vanguard Target Retirement 2055 INV | — | — | — | $2.4M | 4.3% | |
| The Vanguard Group Vanguard Target Retirement 2025 INV | — | — | — | $2.4M | 4.2% | |
| Dodge & Cox Dodge and Cox Stock Fund | — | — | — | $1.8M | 3.2% | |
| The Vanguard Group Vanguard Small Cap Index Admiral | — | — | — | $1.7M | 3.0% | |
| Metropolitan West Metropolitan West Total Return I | — | — | — | $1.4M | 2.5% | |
| MELLON STABLE VALUE FUND CL M THE BANK OF NEW YORK MELLON · EIN 11-3152987 / PN 000 | Common Collective Trust | — | — | $1.4M | 2.5% | |
| The Vanguard Group Vanguard Target Retirement 2060 INV | — | — | — | $1.4M | 2.4% | |
| VANGUARD TOT INTL STK IDX ADM Registered Investment Company | — | — | — | $1.1M | 2.0% | |
| The Vanguard Group Vanguard Target Retirement 2020 INV | — | — | — | $1.0M | 1.8% | |
| DFA US SMCAP GRTH INSTL Registered Investment Company | — | — | — | $702K | 1.2% | |
| Dimensional Fund Advisors DFA US Small Cap Growth Instl | — | — | — | $702K | 1.2% | |
| Dimensional Fund Advisors DFA US Small Cap Value Port Instl | — | — | — | $684K | 1.2% | |
| The Vanguard Group Vanguard Target Retirement 2065 INV | — | — | — | $634K | 1.1% | |
| American Funds American Funds Europacific Growth R6 | — | — | — | $487K | 0.9% | |
| The Vanguard Group Vanguard International Value INV | — | — | — | $276K | 0.5% | |
| Dimensional Fund Advisors DFA Emerging Markets Port Instl | — | — | — | $239K | 0.4% | |
| VANGUARD TARGET RETMT INCOME Registered Investment Company | Mutual Funds | — | — | $84K | 0.1% | |
| The Vanguard Group Vanguard Target Retirement 2070 INV | — | — | — | $6K | <0.1% |
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