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Original filing (PDF)20251013090710NAL0002247058001
C&B OPERATIONS, LLC
Form 5500
FILING_RECEIVED
C&B OPERATIONS, LLC RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
980
Accounts w/ balance
1,142
Plan assets (EOY)
$68.9M
Net assets (EOY)
$68.9M
How this plan invests
This plan
5 pooled trusts
Schedule D
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 43 bps in Schedule C fees — 170% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for C&B OPERATIONS, LLC.
Plan sponsor
Name
C&B OPERATIONS, LLC
EIN
41-1992021
Address
30965 US HWY 212 · GETTYSBURG, SD · 574428709
Phone
(800) 333-3658
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
EIDE BAILLY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $297K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL SECURITIES INC | 42-0941553 | — | OTHER SERVICES | $0 | — |
Investments
35 direct securities · 5 pooled funds· $57.4M(83% 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
$48.6M
34 holdings
Pooled Separate Account
$8.8M
5 holdings
Real Estate
$26K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| iShares MSCI EAFE Int. Index Fund Mutual Fund N/A | — | — | — | $8.6M | 12.5% | |
| Fidelity US Bond Index Fund Mutual Fund N/A | — | — | — | $7.4M | 10.7% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $5.6M | 8.1% | |
| Vanguard Value Index Fund Mutual Fund N/A | — | — | — | $5.4M | 7.8% | |
| Fidelity 500 Index Fund Mutual Fund N/A | — | — | — | $3.9M | 5.6% | |
| PRIN CORE PLUS BOND SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 005 | Pooled Separate Account | — | — | $3.2M | 4.6% | |
| American Funds Target Date Ret. 2045 Fund Mutual Fund N/A | — | — | — | $3.1M | 4.5% | |
| Fidelity Mid Cap Index Fund Mutual Fund N/A | — | — | — | $2.3M | 3.3% | |
| Vanguard Mid Cap Value Index Fund Mutual Fund N/A | — | — | — | $2.1M | 3.0% | |
| Vanguard Mid Cap Growth Index Fund Mutual Fund N/A | — | — | — | $1.7M | 2.4% | |
| American Funds Target Date Ret. 2035 Fund Mutual Fund N/A | — | — | — | $1.7M | 2.4% | |
| American Funds Growth Fund of America Mutual Fund N/A | — | — | — | $1.4M | 2.0% | |
| American Funds Target Date Ret. 2050 Fund Mutual Fund N/A | — | — | — | $1.3M | 1.9% | |
| American Funds Target Date Ret. 2040 Fund Mutual Fund N/A | — | — | — | $1.2M | 1.8% | |
| Vanguard Small Cap Value Index Fund Mutual Fund N/A | — | — | — | $1.2M | 1.7% | |
| Schwab Small Cap Index Fund Mutual Fund N/A | — | — | — | $1.2M | 1.7% | |
| American Funds Target Date Ret. 2060 Fund Mutual Fund N/A | — | — | — | $1.0M | 1.5% | |
| American Funds Target Date Ret. 2030 Fund Mutual Fund N/A | — | — | — | $996K | 1.4% | |
| Vanguard Small Cap Growth Index Fund Mutual Fund N/A | — | — | — | $964K | 1.4% | |
| American Funds Target Date Ret. 2055 Fund Mutual Fund N/A | — | — | — | $638K | 0.9% | |
| American Funds Target Date Ret. 2065 Fund Mutual Fund N/A | — | — | — | $600K | 0.9% | |
| American Funds Target Date Ret. 2025 Fund Mutual Fund N/A | — | — | — | $408K | 0.6% | |
| American Funds New Perspective Fund Mutual Fund N/A | — | — | — | $339K | 0.5% | |
| American Funds Investment Co. of America Mutual Fund N/A | — | — | — | $306K | 0.4% | |
| American Funds Small Cap World Fund Mutual Fund N/A | — | — | — | $205K | 0.3% | |
| American Funds American Balanced Fund Mutual Fund N/A | — | — | — | $175K | 0.3% | |
| American Funds Fundamental Investors Fund Mutual Fund N/A | — | — | — | $174K | 0.3% | |
| American Funds EuroPacific Growth Fund Mutual Fund N/A | — | — | — | $133K | 0.2% | |
| American Funds Washington Mutual Investors Mutual Fund N/A | — | — | — | $112K | 0.2% | |
| American Funds Income Fund of America Mutual Fund N/A | — | — | — | $48K | <0.1% | |
| DFA Emerging Markets Fund Mutual Fund N/A | — | — | — | $48K | <0.1% | |
| (E) | — | — | $48K | $48K | <0.1% | |
| PRIN HIGH YIELD SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 137 | Pooled Separate Account | — | — | $45K | <0.1% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $26K | <0.1% | |
| Securities Separate Account Pooled Separate Account N/A | Real Estate | — | — | $26K | <0.1% | |
| American Funds Target Date Ret. 2010 Fund Mutual Fund N/A | — | — | — | $18K | <0.1% | |
| (E) | — | — | — | $18K | <0.1% | |
| (E) | — | — | — | $15K | <0.1% | |
| PIMCO International Bond Fund Mutual Fund N/A | — | — | — | $15K | <0.1% | |
| PRINCIPAL U.S. PROPERTY SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 027 | Pooled Separate Account | — | — | $6K | <0.1% |
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