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Original filing (PDF)20251015100012NAL0002115491009
ROMAIN BUICK, INC.
Form 5500
FILING_RECEIVED
UNITED COMPANIES 401(K) PLAN
401(k) retirement plan
Active participants
197
Accounts w/ balance
230
Plan assets (EOY)
$14.8M
Net assets (EOY)
$14.8M
How this plan invests
This plan
34 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
- 69 bps in Schedule C fees — 136% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ROMAIN BUICK, INC..
Plan sponsor
Name
ROMAIN BUICK, INC.
EIN
35-1687995
Address
3700 MORGAN AVE. · EVANSVILLE, IN · 47715
Phone
(812) 479-0231
Industry
Retail Tradesee 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
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2R · Participant-directed brokerage (SDBA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WEINZAPFEL & CO., LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AM | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $35K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | — | PENNINGTON, NJ | INVESTMENT ADVISOR | $27K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WARREN AVERETT BENEFIT CONSULTANTS | — | BIRMINGHAM, AL | CONTRACT ADMIN | $24K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $12K | — |
| FIFTH THIRD BANK | — | CINCINNATI, OH | OTHER | $4K | — |
Investments
34 direct securities· $14.7M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Spectrum Conserve Alloc I | — | — | — | $2.2M | 15.1% | |
| Vanguard 500 Index Fund-Admiral | — | — | — | $2.0M | 13.6% | |
| Harbor Capital Appreciation Retirement | — | — | — | $1.3M | 8.9% | |
| T. Rowe Price Spectrum Mod Growth Allc I | — | — | — | $1.2M | 8.1% | |
| Vanguard Small-cap Index Fund-Admiral | — | — | — | $1.1M | 7.3% | |
| T. Rowe Price Spectrum Mod Allocation I | — | — | — | $912K | 6.2% | |
| Merrill Self-Directed Account | — | — | — | $830K | 5.6% | |
| Principal Mid Cap R6 | — | — | — | $605K | 4.1% | |
| Vanguard Mid-cap Index Admiral | — | — | — | $592K | 4.0% | |
| Schwab Self-Directed Accounts | — | — | — | $525K | 3.5% | |
| Vanguard Developed Markets Index Admiral | — | — | — | $485K | 3.3% | |
| Vanguard Emerging Markets Stock Index | — | — | — | $350K | 2.4% | |
| Federated Hermes Government Obligations Premier | — | — | — | $335K | 2.3% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $297K | 2.0% | |
| Dodge & Cox Income X | — | — | — | $269K | 1.8% | |
| MFS Value R6 | — | — | — | $264K | 1.8% | |
| T. Rowe Price Retirement I 2025 I | — | — | — | $196K | 1.3% | |
| Allspring Special Mid Cap Value R6 | — | — | — | $173K | 1.2% | |
| Harding Loevner International Equity | — | — | — | $170K | 1.1% | |
| T. Rowe Price Integr US Sm Cap Growth Equity I | — | — | — | $123K | 0.8% | |
| T. Rowe Price Retirement I 2040 I | — | — | — | $107K | 0.7% | |
| Vanguard Inflation Protected Securities Admiral | — | — | — | $106K | 0.7% | |
| T. Rowe Price Retirement I 2045 I | — | — | — | $97K | 0.7% | |
| Vanguard Real Estate Index Admiral | — | — | — | $84K | 0.6% | |
| Artisan High Income Institutional | — | — | — | $63K | 0.4% | |
| T. Rowe Price Retirement I 2035 I | — | — | — | $57K | 0.4% | |
| Principal Short-term Income Inst | — | — | — | $48K | 0.3% | |
| T. Rowe Price Retirement I 2050 I | — | — | — | $47K | 0.3% | |
| T. Rowe Price Retirement I 2055 I | — | — | — | $29K | 0.2% | |
| Allspring Special Small-cap Value R6 | — | — | — | $24K | 0.2% | |
| T. Rowe Price Retirement I 2030 I | — | — | — | $22K | 0.1% | |
| T. Rowe Price Retirement I 2060 I | — | — | — | $16K | 0.1% | |
| Dodge & Cox Balanced Fund X | — | — | — | $11K | <0.1% | |
| T. Rowe Price Retirement I 2065 I | — | — | — | $4K | <0.1% |