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Original filing (PDF)20250912095632NAL0002328146001
KC TRANSPORTATION, INC.
Form 5500
FILING_RECEIVED
KC GROUP 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
570
Accounts w/ balance
597
Plan assets (EOY)
$12.4M
Net assets (EOY)
$12.4M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
85
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 45 bps in Schedule C fees — 55% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KC TRANSPORTATION, INC..
Plan sponsor
Name
KC TRANSPORTATION, INC.
EIN
38-2719763
Address
862 WILL CARLETON RD · CARLETON, MI · 48117
Phone
(734) 654-0010
Industry
Transportation & Warehousingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-12
Pension benefit codes
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2F · ERISA section 404(c)
2A · Age/service weighted or new comparability
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $3K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RIVERBANK WEALTH MANAGEMENT | 45-3302176 | — | ADVISOR | $28K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $5K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PLANTE MORAN | 33-1498605 | — | ACCOUNTANT/AUDITOR | $20K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
27 direct securities· $12.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom 2025 Fund | — | — | — | $2.1M | 17.3% | |
| Fidelity Freedom 2030 Fund | — | — | — | $1.8M | 14.7% | |
| Fidelity Freedom 2035 Fund | — | — | — | $1.7M | 14.0% | |
| Fidelity Freedom 2050 Fund | — | — | — | $1.1M | 9.1% | |
| Fidelity Freedom 2040 Fund | — | — | — | $1.0M | 8.3% | |
| Fidelity Freedom 2045 Fund | — | — | — | $901K | 7.3% | |
| Fidelity 500 Index Fund - Premium Class | — | — | — | $585K | 4.7% | |
| T. Rowe Price Blue Chip Growth Fund | — | — | — | $408K | 3.3% | |
| Fidelity Freedom 2055 Fund | — | — | — | $340K | 2.7% | |
| Participants Participant notes receivable with rates ranging from 4.25 to 9.5 percent - | — | — | — | $312K | 2.5% | |
| Fidelity Freedom 2060 Fund | — | — | — | $310K | 2.5% | |
| Fidelity Freedom 2020 Fund | — | — | — | $290K | 2.3% | |
| Fidelity Freedom 2070 Fund * 817 Fidelity Management Trust Company Money market fund - Fidelity Government Money Market Fund | — | — | — | $194K | 1.6% | |
| Oakmark International Fund Investor Class | — | — | — | $186K | 1.5% | |
| Fidelity Freedom 2065 Fund | — | — | — | $185K | 1.5% | |
| Fidelity Mid Cap Index Fund - Premium Class | — | — | — | $134K | 1.1% | |
| Vanguard Intermediate-Term Treasury Fund Admiral | — | — | — | $134K | 1.1% | |
| Dodge & Cox Balanced Fund | — | — | — | $117K | 0.9% | |
| Fidelity Management Trust Company Driehaus Emerging Markets Growth Fund | — | — | — | $108K | 0.9% | |
| Goldman Sachs High Yield Fund Institutional | — | — | — | $89K | 0.7% | |
| Fidelity Real Estate Index Fund - Premium Class | — | — | — | $57K | 0.5% | |
| ClearBridge Large Cap Value Fund Class I | — | — | — | $56K | 0.5% | |
| Carillon Eagle Small Cap Growth I | — | — | — | $52K | 0.4% | |
| Goldman Sachs Mid Cap Value Fund Institutional Class | — | — | — | $48K | 0.4% | |
| Fidelity Freedom Income Fund * 201 Fidelity Freedom 2010 Fund * 175 Fidelity Freedom 2015 Fund | — | — | — | $16K | 0.1% | |
| Goldman Sachs Mid Cap Growth Fund Institutional Class * 452 Federated Clover Small Value Institutional Shares | — | — | — | $10K | <0.1% | |
| Fidelity Small Cap Index Fund - Premium Class | — | — | — | $1K | <0.1% |
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