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Original filing (PDF)20250819125936NAL0002230817001
RITCHIE TRUCKING SERVICE HOLDINGS, INC.
Form 5500
FILING_RECEIVED
RITCHIE TRUCKING SERVICE HOLDINGS, INC. 401 (K) PLAN
401(k) retirement plan
Signals · 2
~129 bps in Sched C fees6 service providers
Active participants
80
Accounts w/ balance
153
Plan assets (EOY)
$2.5M
Net assets (EOY)
$2.5M
How this plan invests
This plan
54 pooled trusts
Schedule D
50 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
- 129 bps in Schedule C fees — 149% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RITCHIE TRUCKING SERVICE HOLDINGS, INC..
Plan sponsor
Name
RITCHIE TRUCKING SERVICE HOLDINGS, INC.
EIN
38-4101587
Address
PO BOX 1186 · FRESNO, CA · 93715
Phone
(559) 233-6668
Industry
Transportation & Warehousingsee all
Plan administrator
Name
PENTEGRA SERVICES, INC.
EIN
13-3745616
City
WHITE PLAINS, NY
Phone
(844) 367-2848
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-19
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)
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
PLANCHEC(K) CPAS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsAdvisor / Consultant
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ROUSH INVESTMENTS, LLC | 27-2442764 | FRESNO, CA | INVESTMENT ADVISOR | $15K | — |
| PROACCOUNT | 73-0988442 | COLUMBUS, OH | INVESTMENT ADVISOR (PART | $5K | — |
| IRON FIDUCIARY | 99-9552241 | — | INVESTMENT ADVISOR | $1K | — |
| NATIONWIDE LIFE INSURANCE COMPANY | 31-4156830 | COLUMBUS, OH | INVESTMENT ADVISOR | $266 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| APS - PENTEGRA | 13-3892096 | CHARLOTTE, NC | CONTRACT ADMIN/TPA | $9K | — |
| PENTEGRA SERVICES INC | 13-3745616 | BLACKLICK, OH | CONTRACT ADMIN/TPA | $3K | — |
Investments
32 direct securities · 54 pooled funds· $3.7M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$2.5M
54 holdings
Uncategorized
$1.2M
32 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| STATE STREET BALANCED INDEX FUND STATE STREET · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $422K | 16.5% | |
| FIDELITY MULTI-ASSET INDEX FUND FIDELITY · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $335K | 13.1% | |
| Fidelity 500 Index | — | — | — | $311K | 12.2% | |
| FED 500 INDX FIDELITY · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $311K | 12.2% | |
| Vanguard Wellesley Income Fund Admiral | — | — | — | $91K | 3.6% | |
| VNGRD WLSLY INC ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $91K | 3.6% | |
| Vanguard Developed Markets Index | — | — | — | $85K | 3.3% | |
| VNGRD DEVL MKT INDX ADMIL VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $85K | 3.3% | |
| TIAACRF LFCYCID 2045 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $82K | 3.2% | |
| Vanguard Small-Cap Index Fund Admiral | — | — | — | $71K | 2.8% | |
| VNGRD SM CAP INDX FD AS VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $71K | 2.8% | |
| TIAACRF LFCYCID 2040 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $65K | 2.6% | |
| Fixed Select Contract | — | — | — | $61K | 2.4% | |
| Dodge & Cox International Stock I | — | — | — | $57K | 2.2% | |
| DODGECOX INTL STK CLASS I DODGE & COX · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $57K | 2.2% | |
| Fidelity International Index | — | — | — | $57K | 2.2% | |
| FID INTL INDX FIDELITY · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $57K | 2.2% | |
| Goldman Sachs GQG Partners Intl Opps R6 | — | — | — | $56K | 2.2% | |
| GDMNSCS GQGPTNPRINTLOPPR R6 GOLDMAN SACHS · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $56K | 2.2% | |
| VNGRD MID-CAP IDX FD AS VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $56K | 2.2% | |
| TIAACRF LFCYCID 2055 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $54K | 2.1% | |
| LOOMIS ALLCAP GR R6 NATIONWIDE · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $54K | 2.1% | |
| Avantis US Large-Cap Value Inst | — | — | — | $52K | 2.0% | |
| AVNTS US LGCAP VAL INST AMERICAN CENTURY · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $52K | 2.0% | |
| TIAACRF LFCYCID 2060 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $51K | 2.0% | |
| TIAACRF LFCYCID 2050 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $51K | 2.0% | |
| JPMorgan Large Cap Growth R6 | — | — | — | $48K | 1.9% | |
| JPM LGCAP GR R6 JP MORGAN · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $48K | 1.9% | |
| Avantis Emerging Markets Eq Fund - Instl | — | — | — | $46K | 1.8% | |
| AVNTS US SMCAP VAL INST VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $46K | 1.8% | |
| JPMorgan Equity Income Fund R5 | — | — | — | $45K | 1.8% | |
| JPM EQ INC R5 JP MORGAN · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $45K | 1.8% | |
| Fidelity US Bond Index | — | — | — | $44K | 1.7% | |
| FID US BD INDX FIDELITY · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $44K | 1.7% | |
| Federated Hermes High Yield Bond Fund | — | — | — | $41K | 1.6% | |
| FED HRMS INST HIYLDBD INST FEDERATED HERMES · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $41K | 1.6% | |
| PGIM Total Return Bond R6 | — | — | — | $30K | 1.2% | |
| PGIM TTL TRN BD R6 PGIM · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $30K | 1.2% | |
| MFS CDCAP GR R6 MFS · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $29K | 1.1% | |
| DIANMOND HILL MDCAP I DIAMOND HILL · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $29K | 1.1% | |
| DIAMOND HILL MDCAP I DIAMOND HILL · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $29K | 1.1% | |
| Principal Global Real Estate Sec R6 | — | — | — | $24K | 1.0% | |
| PRNCPL GLBL REALEST R6 PRINCIPAL · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $24K | 1.0% | |
| Vanguard Growth Index Fund Admiral | — | — | — | $24K | 0.9% | |
| VNGRD GR INDX ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $24K | 0.9% | |
| LEGAL & GENERAL COMMODITY STRAT FD PGIM · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $23K | 0.9% | |
| Vanguard Emerging Markets Stock Index | — | — | — | $21K | 0.8% | |
| VNGRD EMRG MKT STKINDXADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $21K | 0.8% | |
| BlackRock High Yield Bond Portfolio K | — | — | — | $19K | 0.7% | |
| BLKRK HI YLD BD PORT K BLACKROCK · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $19K | 0.7% | |
| PIMCO REAL RTN INST PIMCO · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $18K | 0.7% | |
| TIAACRF LFCYCIND 2025 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $17K | 0.7% | |
| Vanguard Explorer Fund Admiral | — | — | — | $15K | 0.6% | |
| VNGRD EXPLR ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $15K | 0.6% | |
| Avantis US Small-Cap Value Inst | — | — | — | $15K | 0.6% | |
| AVNTS EMRG MKT EQ INST AVANTIS INVESTORS · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $15K | 0.6% | |
| TIAACRF LYCYCIND 2065 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $13K | 0.5% | |
| TIAACRF LFCYCID 2030 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $12K | 0.5% | |
| Ab Glonal Bond Fund - Class Z | — | — | — | $9K | 0.3% | |
| AB GLBL BD Z ALLIANCE BERNSTEIN · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $9K | 0.3% | |
| TIAACRF LFCYCID 2035 INST TIAA-CRFF · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $7K | 0.3% | |
| BlackRock Total Return Fund K | — | — | — | $3K | 0.1% | |
| BLKRK TTL RTN K BLACKROCK · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $3K | 0.1% | |
| Vanguard Total Stock Market Index Fund Admiral | — | — | — | $3K | 0.1% | |
| VNGRD TTL STMKT INDX FD AS VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $3K | 0.1% | |
| Vanguard Value Index Fund Admiral | — | — | — | $1K | <0.1% | |
| VNGRD VAL INDX ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| DFA EMRG MKTS CORE EQ 2 PORTFOLIO DFA · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $1K | <0.1% | |
| PIMCO CommodityRealReturn Strategy Fund | — | — | — | $700 | <0.1% | |
| PIMCOCOMDYREALRTNSTRATINST PIMCO · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $700 | <0.1% | |
| AB Global Bond I | — | — | — | $170 | <0.1% | |
| AB BLBL BD I ALLIANCE BERNSTEIN · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $170 | <0.1% | |
| Vanguard Intermediate-Term Treasury Index Admiral | — | — | — | $107 | <0.1% | |
| VNGRDINTDTRMTRSIND ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $107 | <0.1% | |
| Vanguard FTSE Social Index Fund Admiral | — | — | — | $83 | <0.1% | |
| VNGRD FTSE SOC INDX ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $83 | <0.1% | |
| Vanguard Real Estate Index Fund Admiral | — | — | — | $80 | <0.1% | |
| VNGRD REALEST INDX ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $80 | <0.1% | |
| Vanguard Total International Bond Index Fund Admiral | — | — | — | $64 | <0.1% | |
| VNGRD TTL INTL BD IDX ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $64 | <0.1% | |
| Calvert International Responsible Index R6 | — | — | — | $22 | <0.1% | |
| CLVRT INTL RSP INDX R6 CALVERT MUTUAL FUNDS · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $22 | <0.1% | |
| VNGRD BAL INDX ADML VANGUARD · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% | |
| FED HRMS GOV OBLGTNS PRMR FEDERATED HERMES · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% | |
| DFA GLBL REALEST SEC INST DFA · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% | |
| DFA US TRGT VAL INST DFA · EIN 38-4101587 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% |