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Original filing (PDF)20260212090237NAL0000005314001
TRUSTEES OF WILCO AUTOMOTIVE RETIREMENT TRUST
Form 5500
FILING_RECEIVED
WILCO AUTOMOTIVE RETIREMENT PLAN
Defined-benefit pension plan
Signals · 2
16% employer stock~653 bps in Sched C fees
Active participants
57
Accounts w/ balance
—
Plan assets (EOY)
$1.9M
Net assets (EOY)
$1.9M
How this plan invests
This plan
81 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
88
Total plan cost
65
Vendor stack
75
Participation health
100
Knocking points off
- 16% of plan in employer / sponsor stock.
- 653 bps in Schedule C fees — 1156% above peer band of 52 bps.
- Plan is frozen (1I) — no new benefit accrual.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRUSTEES OF WILCO AUTOMOTIVE RETIREMENT TRUST.
Plan sponsor
Name
TRUSTEES OF WILCO AUTOMOTIVE RETIREMENT TRUST
EIN
36-6491924
Address
701 ESSINGTON ROAD, SUITE 101 · JOLIET, IL · 60435
Phone
(815) 439-5500
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-05-01
Tax period
2025-04-30
Filed
2026-02-12
Pension benefit codes
1I · Frozen plan — no new benefit accrual
1B · Flat-dollar DB formula
Audit & trust (Schedule H)
Auditor
CHERRY BEKAERT
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OLD NATIONAL WEALTH MANAGEMENT | 35-1799334 | — | INVESTMENT MANAGER | $22K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHERRY BEKAERT | 56-0574444 | — | ACCOUNTING/AUDITOR | $16K | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MWM CONSULTING GROUP | 36-3870584 | — | ACTUARY | $87K | — |
Investments
76 direct securities· $1.8M(91% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Fund - Admiral Shares; 375 shares | — | — | $157K | $193K | 10.1% | |
| Vanguard Growth Index Fund - Admiral Shares; 728 shares | — | — | $124K | $142K | 7.4% | |
| Fidelity International Index Fund; 1,479 shares | — | — | $70K | $79K | 4.1% | |
| treasury inflation protection security | — | — | $65K | $66K | 3.5% | |
| Putnam Large Cap Value Fund - Class R6; 1,655 shares | — | — | $55K | $57K | 2.9% | |
| Amazon.com Inc. 50,000 Note; 4.55%, due 12/01/2027; callable | — | — | $50K | $51K | 2.7% | |
| Goldman Sachs Group 50,000 Note; fixed to float rate, due 9/29/2026 | — | — | $50K | $50K | 2.6% | |
| due 11/30/2025 | — | — | $50K | $50K | 2.6% | |
| due 09/30/2025 | — | — | $50K | $50K | 2.6% | |
| due 08/31/2025 | — | — | $50K | $50K | 2.6% | |
| Apple Inc. 50,000 Note; 3.20%, due 05/11/2027; callable | — | — | $50K | $49K | 2.6% | |
| Walt Disney Company 50,000 Note; 1.75%, due 01/13/2026; callable | — | — | $52K | $49K | 2.6% | |
| United Health Group 50,000 Note; 1.25%, due 01/15/2026; callable | — | — | $51K | $49K | 2.6% | |
| Oracle Corporation 50,000 Note; 1.65%, due 03/25/2026; callable | — | — | $51K | $49K | 2.5% | |
| Amgen Inc. 50,000 Note; 2.20%, due 02/21/2027; callable | — | — | $52K | $48K | 2.5% | |
| Chevron Corporation 50,000 Note; 1.995%, due 05/11/2027; callable | — | — | $52K | $48K | 2.5% | |
| Emerson Electric Co. 50,000 Note; 0.875%, due 10/15/2026; callable | — | — | $49K | $48K | 2.5% | |
| due 05/15/2029 | — | — | $50K | $48K | 2.5% | |
| CVS Health Corporation 50,000 Note; 1.30%, due 08/21/2027; callable | — | — | $49K | $46K | 2.4% | |
| Goldman Sachs Government Institutional Fund; 40,811 shares | — | — | $41K | $41K | 2.1% | |
| Causeway International Value Fund - Institutional Class; 1,869 shares | — | — | $39K | $39K | 2.0% | |
| New York Life Pinestone International Equity Fund - Class R6; 2016 shares | — | — | $34K | $34K | 1.8% | |
| Driehaus Emerging Markets Growth Fund - Institutional Class; 898 shares | — | — | $30K | $34K | 1.8% | |
| Janus Henderson Enterprise Fund - Class N; 211 shares | — | — | $29K | $29K | 1.5% | |
| Victory Sycamore Established Value Fund - Class I; 543 shares | — | — | $26K | $24K | 1.2% | |
| Microsoft Corporation 57 shares common stock | — | — | $4K | $23K | 1.2% | |
| Oberweis Small Cap Opportunities Fund - Institutional Class; 948 shares | — | — | $23K | $22K | 1.2% | |
| JPMorgan Undiscovered Managers Behavioral Value Fund - Class R6; 244 shares | — | — | $20K | $19K | 1.0% | |
| Apple Inc. 81 shares common stock | — | — | $2K | $17K | 0.9% | |
| Amazon.com Inc. 86 shares common stock | — | — | $9K | $16K | 0.8% | |
| Alphabet Inc. 98 shares common stock | — | — | $4K | $16K | 0.8% | |
| Nvidia Corp. 123 shares common stock | — | — | $14K | $13K | 0.7% | |
| Franklin Templeton ETF Tr India 255 shares common stock | — | — | $10K | $10K | 0.5% | |
| Meta Platforms Inc. 16 shares common stock | — | — | $5K | $9K | 0.5% | |
| Fortinet, Inc. 77 shares common stock | — | — | $4K | $8K | 0.4% | |
| AT&T Inc. 256 shares common stock | — | — | $5K | $7K | 0.4% | |
| Visa Inc. 19 shares common stock | — | — | $4K | $7K | 0.3% | |
| Tyson Foods Inc. 100 shares common stock | — | — | $5K | $6K | 0.3% | |
| Wells Fargo & Co 82 shares common stock | — | — | $3K | $6K | 0.3% | |
| Equifax, Inc. 22 shares common stock | — | — | $5K | $6K | 0.3% | |
| KLA Corp. 8 shares common stock | — | — | $3K | $6K | 0.3% | |
| Kraft Heinz Co 188 shares common stock | — | — | $6K | $5K | 0.3% | |
| Ally Financial Inc. 160 shares common stock | — | — | $4K | $5K | 0.3% | |
| Citigroup, Inc. 76 shares common stock | — | — | $3K | $5K | 0.3% | |
| CVS Health Corporation 77 shares common stock | — | — | $6K | $5K | 0.3% | |
| Salesforce Inc. 19 shares common stock | — | — | $3K | $5K | 0.3% | |
| Molson Coors Beverage Company 88 shares common stock | — | — | $5K | $5K | 0.3% | |
| NiSource, Inc. 129 shares common stock | — | — | $3K | $5K | 0.3% | |
| Taiwan Semiconductor Mfg Co 30 shares common stock | — | — | $3K | $5K | 0.3% | |
| Bath and Body Works Inc. 163 shares common stock | — | — | $6K | $5K | 0.3% | |
| Pinterest Inc. 195 shares common stock | — | — | $5K | $5K | 0.3% | |
| Edwards Lifescienses Corp. 65 shares common stock | — | — | $6K | $5K | 0.3% | |
| Capital One Financial Corp. 26 shares common stock | — | — | $3K | $5K | 0.2% | |
| ASML Holding N.V. NY 7 shares common stock | — | — | $4K | $5K | 0.2% | |
| American Electric Power Company 43 shares common stock | — | — | $3K | $5K | 0.2% | |
| UnitedHealth Group Inc. 11 shares common stock | — | — | $2K | $5K | 0.2% | |
| Adobe Inc. 12 shares common stock | — | — | $2K | $5K | 0.2% | |
| PayPal Holdings Inc. 63 shares common stock | — | — | $4K | $4K | 0.2% | |
| CarMax Inc. 64 shares common stock | — | — | $5K | $4K | 0.2% | |
| Veeva Systems Inc. 17 shares common stock | — | — | $3K | $4K | 0.2% | |
| Schlumberger Ltd. 118 shares common stock | — | — | $5K | $4K | 0.2% | |
| CNH Industrial 338 shares common stock | — | — | $4K | $4K | 0.2% | |
| Danaher Corp. 19 shares common stock | — | — | $4K | $4K | 0.2% | |
| Intel Corp 186 shares common stock | — | — | $5K | $4K | 0.2% | |
| Huntington Ingalls Industries, Inc. 16 shares common stock | — | — | $4K | $4K | 0.2% | |
| Blackrock Inc. 4 shares common stock | — | — | $2K | $4K | 0.2% | |
| Mosaic Co 119 shares common stock | — | — | $3K | $4K | 0.2% | |
| Thermo Fisher Scientific Inc. 8 shares common stock | — | — | $4K | $3K | 0.2% | |
| Carnival Corp 172 shares of common stock | — | — | $5K | $3K | 0.2% | |
| Costco Wholesale Corporation 3 shares common stock | — | — | $1K | $3K | 0.2% | |
| ConocoPhillips 31 shares common stock | — | — | $3K | $3K | 0.1% | |
| Albemarle Corp 42 shares common stock | — | — | $7K | $2K | 0.1% | |
| Warner Bros Discovery Inc. 248 shares common stock | — | — | $4K | $2K | 0.1% | |
| United Airlines Holdings Inc. 29 shares common stock | — | — | $1K | $2K | 0.1% | |
| Sunrun Inc. 81 shares common stock | — | — | — | $2K | <0.1% | |
| EOG Resources, Inc. 15 shares common stock | — | — | $2K | $2K | <0.1% |