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Original filing (PDF)20250814120814NAL0013649168001
FOND DU LAC RESERVATION BUSINESS COMMITTEE
Form 5500
FILING_RECEIVED
FOND DU LAC EMPLOYEE RETIREMENT PLAN
401(k) retirement plan
Active participants
1,675
Accounts w/ balance
2,400
Plan assets (EOY)
$110.7M
Net assets (EOY)
$110.7M
How this plan invests
This plan
28 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
- 23 bps in Schedule C fees — 130% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FOND DU LAC RESERVATION BUSINESS COMMITTEE.
Plan sponsor
Name
FOND DU LAC RESERVATION BUSINESS COMMITTEE
EIN
41-0965719
Address
1720 BIG LAKE ROAD · CLOQUET, MN · 55720
Phone
(218) 878-2688
Industry
Arts, Entertainment, Recreationsee all
Plan administrator
Name
FOND DU LAC INSURANCE COMPANY
EIN
41-1696190
City
CLOQUET, MN
Phone
(218) 878-2688
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-14
Pension benefit codes
2T · Default investment account (QDIA)
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
WIPFLI LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $121K | — |
Broker
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ FINANCIAL SOLUTIONS, INC. | 52-1396996 | — | BROKER | $133K | — |
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Investments
28 direct securities· $110.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Contrafund | — | — | — | $13.4M | 12.1% | |
| Transamerica Life Ins Co Transamerica Guaranteed Inv Option | — | — | — | $13.2M | 12.0% | |
| Vanguard Target Retrmnt 2030 | — | — | — | $9.8M | 8.8% | |
| Vanguard Target Retrmnt 2050 | — | — | — | $7.6M | 6.9% | |
| Vanguard Target Retrmnt 2035 | — | — | — | $6.9M | 6.2% | |
| Vanguard Target Retrmnt 2040 | — | — | — | $6.7M | 6.0% | |
| Vanguard Target Retrmnt 2045 | — | — | — | $6.6M | 6.0% | |
| Vanguard 500 Index Adm | — | — | — | $6.3M | 5.7% | |
| Vanguard Target Retrmnt 2055 | — | — | — | $6.0M | 5.5% | |
| Vanguard Target Retrmnt 2025 | — | — | — | $5.0M | 4.5% | |
| Vanguard Total Bd Mkt Index Adm | — | — | — | $3.2M | 2.9% | |
| Vanguard Target Retrmnt 2060 | — | — | — | $3.0M | 2.7% | |
| Transamerica T. Rowe Price Eq Inc | — | — | — | $2.8M | 2.5% | |
| American Funds American Funds EuroPacific Gr R6 | — | — | — | $2.7M | 2.5% | |
| Vanguard Target Retrmnt Inc | — | — | — | $2.6M | 2.4% | |
| Goldman Sachs Goldman Sachs Bd A | — | — | — | $2.6M | 2.4% | |
| Fidelity Intl Index | — | — | — | $2.1M | 1.9% | |
| Vanguard Target Retrmnt 2020 | — | — | — | $2.0M | 1.8% | |
| Vanguard Small Cap Index Adm | — | — | — | $1.3M | 1.2% | |
| Participants Notes Receivable with interest rates of 4.25% to 9.50% | — | — | — | $1.3M | 1.2% | |
| Blackrock Mid Cap Gr Eq K | — | — | — | $1.2M | 1.1% | |
| MFS Mid Cap Val R6 | — | — | — | $1.0M | 0.9% | |
| American Funds American Funds American Balanced R6 | — | — | — | $960K | 0.9% | |
| Vanguard Target Retrmnt 2065 Inv | — | — | — | $827K | 0.7% | |
| Fidelity Adv Small Cap Gr Z | — | — | — | $661K | 0.6% | |
| Dimensional DFA US Targeted Val | — | — | — | $656K | 0.6% | |
| Vanguard Target Retrmnt 2070 Inv | — | — | — | $106K | <0.1% | |
| State Street State Street Instl US Govt Money Market Premier | — | — | — | $42K | <0.1% |