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Original filing (PDF)20251009105748NAL0006867713001
LORAM
Form 5500
FILING_RECEIVED
LORAM RETIREMENT PLAN
401(k) retirement plan
Active participants
1,082
Accounts w/ balance
1,547
Plan assets (EOY)
$167.8M
Net assets (EOY)
$167.8M
How this plan invests
This plan
1 pooled trust
Schedule D
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LORAM.
Plan sponsor
Name
LORAM
EIN
41-0950401
Address
PO BOX 188 · HAMEL, MN · 55340
Phone
(763) 478-2549
Industry
Transportation & Warehousingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
316
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
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 | $78K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $50K | — |
| MMA SECURITIES | 22-3570392 | — | ADVISOR | $46K | — |
| NA | 41-0746749 | — | CONSULTANT | $18K | — |
Investments
24 direct securities · 1 pooled fund· $180.1M(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
$167.8M
24 holdings
Common Collective Trust
$12.3M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index | — | — | — | $23.2M | 13.8% | |
| T. Rowe Price T. Rowe Price Blue Chip Growth I | — | — | — | $16.6M | 9.9% | |
| Blackrock Life Index 2050 | — | — | — | $13.5M | 8.0% | |
| Blackrock Life Index 2030 | — | — | — | $13.2M | 7.8% | |
| Galliard Stable Return Fund C | — | — | — | $12.3M | 7.3% | |
| GALLIARD STBLE RTN C WELLS FARGO BANK, N.A. · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $12.3M | 7.3% | |
| Vanguard Equity Income | — | — | — | $10.4M | 6.2% | |
| Blackrock Life Index 2040 | — | — | — | $9.9M | 5.9% | |
| T. Rowe Price T.Rowe PR Small Cap Stock I | — | — | — | $7.7M | 4.6% | |
| Blackrock Life Index Retirement-K | — | — | — | $7.0M | 4.2% | |
| MassMutual SEL M/C GR E II | — | — | — | $6.2M | 3.7% | |
| PIMCO Total Return Fund A | — | — | — | $5.8M | 3.5% | |
| Blackrock Life Index 2060 | — | — | — | $5.8M | 3.4% | |
| Blackrock Life Index 2035 | — | — | — | $5.5M | 3.3% | |
| Blackrock Life Index 2045 | — | — | — | $4.6M | 2.7% | |
| American Funds American Funds Europacific Growth | — | — | — | $4.3M | 2.5% | |
| Vanguard Developed Markets Index FD | — | — | — | $3.9M | 2.3% | |
| Blackrock Life Index 2055 | — | — | — | $3.5M | 2.1% | |
| Blackrock Life Index 2065 | — | — | — | $3.4M | 2.0% | |
| Fidelity Ext Market In-FAI | — | — | — | $3.0M | 1.8% | |
| Participants Participant Loans Rates from 4.25% to 9.50% - | — | — | — | $2.4M | 1.4% | |
| Pioneer Strategic Income | — | — | — | $2.2M | 1.3% | |
| DFA Energing Markets Core Equity FD | — | — | — | $1.8M | 1.1% | |
| Undisc MGRS Behav Val | — | — | — | $1.2M | 0.7% | |
| Fidelity Govt Money Market | — | — | — | $495K | 0.3% |