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Original filing (PDF)20251015143604NAL0002463971007
NORWALK/INDIANOLA READY-MIXED CONCRETE INC.
Form 5500
FILING_RECEIVED
NORWALK/INDIANOLA READY-MIXED 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
136
Accounts w/ balance
166
Plan assets (EOY)
$12.1M
Net assets (EOY)
$12.1M
How this plan invests
This plan
35 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
- 60 bps in Schedule C fees — 106% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NORWALK/INDIANOLA READY-MIXED CONCRETE INC..
Plan sponsor
Name
NORWALK/INDIANOLA READY-MIXED CONCRETE INC.
EIN
42-0982450
Address
1535 NORTH AVENUE · P O BOX 309 · NORWALK, IA · 50211
Phone
(515) 981-0631
Industry
Constructionsee 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
2025-10-15
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)
Audit & trust (Schedule H)
Auditor
DESMOND CPA, PLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CITY STATE BANK | 42-0443990 | — | NONE | $72K | — |
Investments
35 direct securities· $12.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T ROWE PRICE RETIREMENT 2030 79,004.605 mutual fund shares | — | — | $79K | $2.0M | 16.7% | |
| HARBOR CAPITAL APPRECIATION FD 9,944.746 mutual fund shares | — | — | $10K | $1.1M | 9.3% | |
| T ROWE PRICE RETIREMENT 2040 35,397.925 mutual fund shares | — | — | $35K | $1.1M | 8.9% | |
| VANGUARD LIFESTRATEGY GROWTH 16,801.998 mutual fund shares | — | — | $17K | $742K | 6.1% | |
| AMERICAN FUNDS BALANCED FD R5 26,368.578 mutual fund shares | — | — | $26K | $477K | 3.9% | |
| T ROWE PRICE RETIREMENT 2050 22,537.610 mutual fund shares | — | — | $23K | $427K | 3.5% | |
| VANGUARD SMALL CAP INDEX 3,297.608 mutual fund shares | — | — | $3K | $379K | 3.1% | |
| VANGUARD 500 INDEX 693.601 mutual fund shares | — | — | — | $376K | 3.1% | |
| MAIRS & POWER GROWTH INV. 2,158.190 mutual fund shares | — | — | $2K | $366K | 3.0% | |
| VANGUARD LIFESTRATEGY MOD GRTH 11,448.221 mutual fund shares | — | — | $11K | $359K | 3.0% | |
| VANGUARD LIFESTRATEGY INCOME 23,471.421 mutual fund shares | — | — | $23K | $353K | 2.9% | |
| PIMCO SHORT-TERM INST'L BOND 35,981.367 mutual fund shares | — | — | $36K | $346K | 2.9% | |
| DFA SH TERM EXTENDED QUALITY 31,619.092 mutual fund shares | — | — | $32K | $328K | 2.7% | |
| FIDELITY LOW-PRICED STOCK FUND 7,500.527 mutual fund shares | — | — | $8K | $306K | 2.5% | |
| Cash-Vanguard Money Market Prime | — | — | — | $296K | 2.4% | |
| VANGUARD EQUITY INCOME ADM 3,333.143 mutual fund shares | — | — | $3K | $294K | 2.4% | |
| DFA INTL CORE EQUITY 18,448.016 mutual fund shares | — | — | $18K | $284K | 2.3% | |
| FIDELITY CONTRAFUND 12,924.693 mutual fund shares | — | — | $13K | $272K | 2.2% | |
| VANGUARD MID CAP INDEX 737.838 mutual fund shares | — | — | — | $241K | 2.0% | |
| EATON VANCE INC FD OF BOSTON I 46,389.317 mutual fund shares | — | — | $46K | $239K | 2.0% | |
| Receivables | — | — | — | $216K | 1.8% | |
| DFA US TARGETED VALUE 6,029.778 mutual fund shares | — | — | $6K | $207K | 1.7% | |
| VANGUARD GNMA ADMIRAL SHS. 18,448.725 mutual fund shares | — | — | $18K | $168K | 1.4% | |
| VANGUARD SELECTED VALUE INV. 6,164.432 mutual fund shares | — | — | $6K | $167K | 1.4% | |
| VANGUARD EXPLORER INV. 1,400.184 mutual fund shares | — | — | $1K | $161K | 1.3% | |
| T ROWE PRICE RETIREMENT 2020 8,341.774 mutual fund shares | — | — | $8K | $155K | 1.3% | |
| VANGUARD LIFESTRATEGY CONS GRO 7,306.809 mutual fund shares | — | — | $7K | $149K | 1.2% | |
| AMER FDS CAP WORLD GRTH/INC R5 2,291.500 mutual fund shares | — | — | $2K | $146K | 1.2% | |
| DODGE & COX STOCK FUND 521.336 mutual fund shares | — | — | — | $134K | 1.1% | |
| T ROWE PRICE REAL ESTATE FUND 11,409.556 mutual fund shares | — | — | $11K | $131K | 1.1% | |
| DFA EMERGING MKTS CORE EQUITY 3,755.842 mutual fund shares | — | — | $4K | $87K | 0.7% | |
| AMERICAN FDS SMALLCAP WORLD R5 623.685 mutual fund shares | — | — | — | $44K | 0.4% | |
| BARON ASSET FUND 311.097 mutual fund shares | — | — | — | $28K | 0.2% | |
| VANGUARD INFLATION-PROT SECS 159.618 mutual fund shares | — | — | — | $4K | <0.1% | |
| DFA US CORE EQUITY 32.107 mutual fund shares | — | — | — | $1K | <0.1% |