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Original filing (PDF)20250731114846NAL0002554883001
CHARLES GABUS FORD, INC.
Form 5500
FILING_RECEIVED
CHARLES GABUS FORD, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
28% in single holding
Active participants
336
Accounts w/ balance
366
Plan assets (EOY)
$33.9M
Net assets (EOY)
$33.9M
How this plan invests
This plan
2 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
86
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Collective Investment Trusts * Drive Balance Fund 497,372.96 units" is 28% of plan.
- 46 bps in Schedule C fees — 57% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CHARLES GABUS FORD, INC..
Plan sponsor
Name
CHARLES GABUS FORD, INC.
EIN
42-0948111
Address
4545 MERLE HAY ROAD · DES MOINES, IA · 50310
Phone
(515) 333-5384
Industry
Retail Tradesee all
Plan administrator
Name
NORTHEAST RETIREMENT SERVICES, LLC
EIN
81-5140646
City
WOBURN, MA
Phone
(781) 983-5059
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-31
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BOYER & RITTER LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $123K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $32K | — |
Investments
28 direct securities · 2 pooled funds· $44.7M(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.
Uncategorized
$31.8M
28 holdings
Common Collective Trust
$12.9M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Collective Investment Trusts * Drive Balance Fund 497,372.96 units | — | — | — | $9.9M | 29.2% | |
| EMPOWER TRUST DRIVE BAL FUND EMPOWER TRUST COMPANY, LLC · EIN 47-7326992 / PN 110 | Common Collective Trust | — | — | $9.9M | 29.2% | |
| NT Collective S&P 500 Index Fund DC NL 4 18,735.41 units | — | — | — | $5.1M | 14.9% | |
| EMPOWER TRUST DRIVE INCOME FUND EMPOWER TRUST COMPANY, LLC · EIN 47-7319764 / PN 111 | Common Collective Trust | — | — | $3.0M | 8.9% | |
| NT Collective ACWI ex-US IMI Fund DC NL 4 12,702.89 units | — | — | — | $1.9M | 5.6% | |
| NT Collective Russell 2000 Index Fund DC NL 4 11,055.91 units | — | — | — | $1.8M | 5.3% | |
| MassMutual Select Mid Cap Gr Eq II Z 65,985.21 shares | — | — | — | $1.3M | 3.8% | |
| NT Collective S&P 400 Index Fund DC NL 4 6,404.43 units | — | — | — | $1.2M | 3.6% | |
| Fidelity Total Bond K6 136,149.22 shares | — | — | — | $1.2M | 3.5% | |
| NT Collective Aggregate Bond Index Fund NL 4 10,989.63 units | — | — | — | $1.2M | 3.5% | |
| NT Collective Russell 1000 Growth Index Fund DC NL 4 4,369.37 units | — | — | — | $958K | 2.8% | |
| PARTICIPANT LOANS VARIOUS | — | — | $909K | $909K | 2.7% | |
| Notes Receivable from Participants * Various participants Interest rates of 4.25% - 9.50% | — | — | — | $909K | 2.7% | |
| American Fund EuroPacifiv Gr R6 16,106.24 shares | — | — | — | $865K | 2.5% | |
| T. Rowe Price Retirement Blend Select Trust 2045 CL 5 72,819.45 units | — | — | — | $749K | 2.2% | |
| Registered Investment Companies Allspring Special Small Cap Value R6 15,763.92 shares | — | — | — | $634K | 1.9% | |
| T. Rowe Price Retirement Blend Select Trust 2050 CL 5 55,094.84 units | — | — | — | $567K | 1.7% | |
| SSgA Real Asset Fund Class C 30,451.41 units | — | — | — | $522K | 1.5% | |
| T. Rowe Price Retirement Blend Select Trust 2025 CL 5 35,364.61 units | — | — | — | $363K | 1.1% | |
| NT Collective Russell 1000 Value Index Fund DC NL 4 2,388.48 units | — | — | — | $358K | 1.1% | |
| T. Rowe Price Retirement Blend Select Trust 2015 CL 5 30,328.62 units | — | — | — | $311K | 0.9% | |
| T. Rowe Price Retirement Blend Select Trust 2055 CL 5 26,836.60 units | — | — | — | $276K | 0.8% | |
| Principal SmallCap Growth R6 15,687.50 shares | — | — | — | $234K | 0.7% | |
| T. Rowe Price Retirement Blend Select Trust 2040 CL 5 16,508.91 units | — | — | — | $170K | 0.5% | |
| MFS Mid Cap Value Fund CT 7,184.36 units | — | — | — | $155K | 0.5% | |
| T. Rowe Price Retirement Blend Select Trust 2020 CL 5 9,750.47 units | — | — | — | $100K | 0.3% | |
| T. Rowe Price Retirement Blend Select Trust 2060 CL 5 8,779.95 units | — | — | — | $90K | 0.3% | |
| T. Rowe Price Retirement Blend Select Trust 2035 CL 5 8,252.70 units | — | — | — | $85K | 0.2% | |
| T. Rowe Price Retirement Blend Select Trust 2065 CL 5 1,525.02 units | — | — | — | $16K | <0.1% | |
| T. Rowe Price Retirement Blend Select Trust 2030 CL 5 1,451.39 units | — | — | — | $15K | <0.1% |
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