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Original filing (PDF)20251009095058NAL0006394993001
CARROLL DISTRIBUTING & CONSTRUCTION SUPPLY, INC.
Form 5500
FILING_RECEIVED
CARROLL DISTRIBUTING & CONSTRUCTION SUPPLY, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
342
Accounts w/ balance
170
Plan assets (EOY)
$14.0M
Net assets (EOY)
$14.0M
How this plan invests
This plan
9 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
65
Knocking points off
- 60 bps in Schedule C fees — 105% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 50% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARROLL DISTRIBUTING & CONSTRUCTION SUPPLY, INC..
Plan sponsor
Name
CARROLL DISTRIBUTING & CONSTRUCTION SUPPLY, INC.
EIN
42-1190085
Address
2453 N. COURT ST. · OTTUMWA, IA · 52501
Phone
(641) 455-5545
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
2025-10-09
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MARTENS & COMPANY, CPA, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 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 | $84K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL SECURITIES INC | 42-0941553 | — | OTHER SERVICES | $0 | — |
| QUALIFIED PLAN CONSULTANTS, LLC | 20-0223513 | — | OTHER SERVICE | $0 | — |
Investments
22 direct securities · 9 pooled funds· $14.0M(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
$10.9M
22 holdings
Pooled Separate Account
$3.1M
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Group Vanguard Tgt Rmt 2030 Inv Fund | — | — | — | $1.7M | 11.9% | |
| Principal Life Insurance Company Prin Fixed Inc Guar Option | — | — | — | $1.6M | 11.2% | |
| Vanguard Group Vanguard Tgt Rmt 2025 Inv Fund | — | — | — | $1.2M | 8.4% | |
| Vanguard Group Vanguard Tgt Rmt 2045 Inv Fund | — | — | — | $1.0M | 7.2% | |
| PRIN LARGECAP GROWTH I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 066 | Pooled Separate Account | — | — | $1.0M | 7.2% | |
| Vanguard Group Vanguard Tgt Rmt 2035 Inv Fund | — | — | — | $986K | 7.0% | |
| Vanguard Group Vanguard Tgt Rmt 2040 Inv Fund | — | — | — | $932K | 6.6% | |
| PRIN LGCAP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $596K | 4.2% | |
| Vanguard Group Vanguard Tgt Rmt 2050 Inv Fund | — | — | — | $525K | 3.7% | |
| Vanguard Group Vanguard Tgt Rmt 2020 Inv Fund | — | — | — | $463K | 3.3% | |
| Eaton Vance Etn Vnc Atl Cp SMID-Cap R6 Fd | — | — | — | $431K | 3.1% | |
| PRIN EQUITY INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 120 | Pooled Separate Account | — | — | $415K | 3.0% | |
| Dimensional Fund Advisor DFA W RLD Ex Us Value Port I FD | — | — | — | $364K | 2.6% | |
| The American Funds Am Fds Cap W ld Bnd R6 Fund | — | — | — | $308K | 2.2% | |
| Oppenheimer Oppen Dev Mark R6 Fd | — | — | — | $300K | 2.1% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $288K | 2.0% | |
| PRIN CAPITAL APPR SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 119 | Pooled Separate Account | — | — | $231K | 1.6% | |
| The Royce Funds Royce SC Opp Instl Fund | — | — | — | $221K | 1.6% | |
| Vanguard Group Vanguard Tgt Rmt 2055 Inv Fund | — | — | — | $220K | 1.6% | |
| PRIN MIDCAP VALUE I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043 | Pooled Separate Account | — | — | $183K | 1.3% | |
| MFS Investment Management MFS Value R6 Fund | — | — | — | $173K | 1.2% | |
| Lord Abbett Lord Abbett Dev Growth R6 Fund | — | — | — | $164K | 1.2% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $155K | 1.1% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $154K | 1.1% | |
| Participant Loans 4.25%-9.50% | — | — | — | $135K | 1.0% | |
| Oppenheimer Oppen Gold and Sp Minerals R6 Fnd | — | — | — | $104K | 0.7% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $92K | 0.7% | |
| Party-in- Identity of Issue, M aturity Date, Rate of (e) Interest Borrower, Lessor, Interest, Collateral, (d) Current Identification or Similar Party Par or M aturity Value Cost Value The American Funds Am Fds Europacific Grth R6 Fd | — | — | — | $63K | 0.4% | |
| Vanguard Group Vanguard Tgt Rmt 2060 Inv Fund | — | — | — | $37K | 0.3% | |
| Vanguard Group Vanguard Tgt Rmt Inc Inv Fund | — | — | — | $28K | 0.2% | |
| Vanguard Group Vanguard Tgt Rmt 2065 Inv Fund | — | — | — | $15K | 0.1% |