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Original filing (PDF)20251014130417NAL0002840065001
ROWLEY BROTHERS, INC.
Form 5500
FILING_RECEIVED
ROWLEY 401(K) PLAN
401(k) retirement plan
Active participants
313
Accounts w/ balance
235
Plan assets (EOY)
$27.2M
Net assets (EOY)
$27.2M
How this plan invests
This plan
1 pooled trust
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 40 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ROWLEY BROTHERS, INC..
Plan sponsor
Name
ROWLEY BROTHERS, INC.
EIN
38-1548597
Address
3604 WILDER ROAD · P. O. BOX 1115 · BAY CITY, MI · 48706
Phone
(989) 671-6500
Industry
Wholesale Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
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)
2X · Other multiple-employer DC plan
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WEINLANDER FITZHUGH
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP, INC. | 27-2037969 | — | RECORDKEEPER | $24K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRI STAR TRUST BANK | — | MIDLAND, MI | ADVISOR | $62K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT TRUST COMPANY | 27-4411131 | — | TRUSTEE | $8K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WEINLANDER FITZHUGH | 38-2272300 | BAY CITY, MI | AUDITOR | $15K | — |
Investments
29 direct securities · 1 pooled fund· $27.2M(100% 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
$24.0M
28 holdings
Mutual Funds
$2.5M
1 holding
Common Collective Trust
$742K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds The Growth Fund of America | — | — | — | $3.3M | 12.0% | |
| Vanguard 500 Index Fund | — | — | — | $3.2M | 11.8% | |
| Vanguard Windsor II Fund | — | — | — | $3.1M | 11.4% | |
| American Funds EuroPacific Growth Fund Class | Mutual Funds | — | — | $2.5M | 9.3% | |
| Dodge & Cox Income Fund | — | — | — | $1.6M | 6.0% | |
| Vanguard Total Bond Market Index Fund | — | — | — | $1.5M | 5.6% | |
| Vanguard Mid Cap Growth Index Fund | — | — | — | $1.4M | 5.2% | |
| Vanguard Mid Cap Value Index Fund | — | — | — | $1.4M | 5.2% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $924K | 3.4% | |
| GG CIT III FOR METLIFE GAC 25554 J WILMINGTON TRUST COMPANY · EIN 26-0142858 / PN 094 | Common Collective Trust | — | — | $742K | 2.7% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $682K | 2.5% | |
| Vanguard Small Cap Growth Index Fund | — | — | — | $647K | 2.4% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $567K | 2.1% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $566K | 2.1% | |
| Vanguard GNMA Fund | — | — | — | $545K | 2.0% | |
| Vanguard High-Yield Corporate Bond Fund | — | — | — | $540K | 2.0% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $526K | 1.9% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $475K | 1.7% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $444K | 1.6% | |
| PIMCO International Bond Fund | — | — | — | $411K | 1.5% | |
| DFA Real Estate Securities Portfolio Institutional Class | — | — | — | $406K | 1.5% | |
| DFA International Small Company Portfolio | — | — | — | $359K | 1.3% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $356K | 1.3% | |
| Vanguard Target Retirement Income Fund | — | — | — | $274K | 1.0% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $210K | 0.8% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $149K | 0.5% | |
| Notes receivable from participants Participant Loans | — | — | — | $142K | 0.5% | |
| American Funds International Growth and Income | — | — | — | $67K | 0.2% | |
| Vanguard Inflation Protected Securities Fund | — | — | — | $52K | 0.2% | |
| Vanguard Target Retirement 2070 Fund | — | — | — | $9K | <0.1% |
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