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Original filing (PDF)20251015073708NAL0002071379001
ACE HARDWARE CORPORATION
Form 5500
FILING_RECEIVED
ACE RETAIL SAVINGS PLAN 401(K)
401(k) retirement plan
Signals · 1
8 service providers
Active participants
10,227
Accounts w/ balance
4,122
Plan assets (EOY)
$188.2M
Net assets (EOY)
$188.0M
How this plan invests
This plan
19 pooled trusts
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 57 bps in Schedule C fees — 469% above peer band of 10 bps.
- Only 40% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ACE HARDWARE CORPORATION.
Plan sponsor
Name
ACE HARDWARE CORPORATION
EIN
36-0700810
Address
2200 KENSINGTON COURT · OAK BROOK, IL · 60523
Phone
(630) 990-6600
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Name
ADMINISTRATIVE GROUP, LLC DBA TAG RESOURCES
EIN
42-1484983
City
KNOXVILLE, TN
Phone
(865) 670-1844
Plan characteristics
Plan number
333
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
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
TEMPLETON & CO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
8 rowsRecordkeeper
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $618K | — |
| TRANSAMERICA FINANCIAL LIFE | 36-6071399 | — | RECORD KEEPER | $151K | — |
| ADMIN. GROUP, LLC DBA TAG RESOURCES | 62-1874769 | — | RECORD KEEPER | $102K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING | 84-4519624 | — | INVESTMENT ADVISORY PLAN | $123K | — |
| MESIROW FINANCIAL | 36-3429599 | — | INVESTMENT ADVISORY PLAN | $55K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA TRUST CO | 42-0947998 | — | TRUSTEE | $250 | — |
Accountant / Auditor
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TEMPLETON & COMPANY | 14-1918990 | — | AUDIT | $18K | — |
| BENSCH FRIEDLANDER COPLAN AND ARONF | 34-6596918 | — | AUDIT | $2K | — |
Investments
24 direct securities · 19 pooled funds· $185.5M(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
$178.5M
24 holdings
Common Collective Trust
$6.9M
1 holding
Pooled Separate Account
$113K
18 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Transamerica BlackRock LifePath Index Retirement Fund | — | — | — | $26.1M | 13.9% | |
| Vanguard 500 Index Admiral Fund | — | — | — | $20.6M | 11.0% | |
| Fidelity Growth Company Fund | — | — | — | $20.3M | 10.8% | |
| Transamerica BlackRock LifePath Index 2030 Fund | — | — | — | $19.7M | 10.5% | |
| Transamerica BlackRock LifePath Index 2035 Fund | — | — | — | $17.5M | 9.3% | |
| Transamerica BlackRock LifePath Index 2040 Fund | — | — | — | $13.6M | 7.2% | |
| Transamerica BlackRock LifePath Index 2045 Fund | — | — | — | $9.8M | 5.2% | |
| Transamerica BlackRock LifePath Index 2050 Fund | — | — | — | $7.5M | 4.0% | |
| Transamerica BlackRock Total Return Institutional Fund | — | — | — | $7.3M | 3.9% | |
| INVESCO STABLE VALUE CLASS I INVESCO · EIN 46-3793325 / PN 001 | Common Collective Trust | — | — | $6.9M | 3.7% | |
| Transamerica BlackRock LifePath Index 2055 Fund | — | — | — | $6.1M | 3.3% | |
| MFS International Diversification Fund | — | — | — | $4.7M | 2.5% | |
| Robeco Boston Partners All Cap Value Institutional Fund | — | — | — | $3.9M | 2.1% | |
| Transamerica BlackRock LifePath Index 2060 Fund | — | — | — | $3.8M | 2.0% | |
| Vanguard Mid Cap Index Admiral Fund | — | — | — | $3.7M | 2.0% | |
| T. Rowe Price Small-Cap Stock Fund | — | — | — | $3.3M | 1.8% | |
| American Century Mid Cap Value Fund | — | — | — | $2.6M | 1.4% | |
| Vanguard Small Cap Growth Index Admiral Fund | — | — | — | $2.2M | 1.2% | |
| Vanguard Small Cap Value Index Admiral Fund | — | — | — | $1.9M | 1.0% | |
| MassMutual Mid Cap Growth Fund | — | — | — | $1.6M | 0.9% | |
| Vanguard Real Estate Index Admiral Fund | — | — | — | $990K | 0.5% | |
| American Funds New World Fund | — | — | — | $547K | 0.3% | |
| Transamerica BlackRock LifePath Index 2065 Fund | — | — | — | $371K | 0.2% | |
| Non-interest bearing cash * Transamerica Cash holding account | — | — | — | $235K | 0.1% | |
| TRANSAMERICA LIFEGOAL RET WITH BLAC TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 833 | Pooled Separate Account | — | — | $48K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2030 WITH BLA TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 836 | Pooled Separate Account | — | — | $14K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2055 WITH BLK TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 841 | Pooled Separate Account | — | — | $13K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2050 WITH BLK TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 840 | Pooled Separate Account | — | — | $9K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2045 WITH BLK TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 839 | Pooled Separate Account | — | — | $7K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2025 WITH BLA TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 835 | Pooled Separate Account | — | — | $5K | <0.1% | |
| INVESCO STABLE VAL TRUST RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 377 | Pooled Separate Account | — | — | $5K | <0.1% | |
| TRANSAMERICA LIFEGOAL 2035 WITH BLK TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 837 | Pooled Separate Account | — | — | $4K | <0.1% | |
| PGIM TOTAL RET BD RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 597 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Transamerica Financial Life * Stable Value Account | — | — | — | $1K | <0.1% | |
| INVESCO DVFD DIV RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 574 | Pooled Separate Account | — | — | $1K | <0.1% | |
| T. ROWE PRICE GROWTH STOCK RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 958 | Pooled Separate Account | — | — | $995 | <0.1% | |
| TA VANGUARD REIT INDEX RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 130 | Pooled Separate Account | — | — | $832 | <0.1% | |
| JPMORGAN HI YLD RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 330 | Pooled Separate Account | — | — | $795 | <0.1% | |
| TRANSAMERICA PRTNRS STCK INDX RET A TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 139 | Pooled Separate Account | — | — | $740 | <0.1% | |
| MFS INTERNATIONAL DIVERSIFICATION R TRANSAMERICA FINANCIAL LIFE INS CO · EIN 83-1098532 / PN 123 | Pooled Separate Account | — | — | $268 | <0.1% | |
| STATE STREET RUSSELL SM CAP INDEX R TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 437 | Pooled Separate Account | — | — | $229 | <0.1% | |
| JANUS HENDERSON TRITON RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 830 | Pooled Separate Account | — | — | $182 | <0.1% | |
| HARTFORD MID CAP RET ACCT TRANSAMERICA FINANCIAL LIFE INS CO · EIN 36-6071399 / PN 726 | Pooled Separate Account | — | — | $152 | <0.1% |
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