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Original filing (PDF)20250911121857NAL0000488369001
CEDAR RIVER CONTRACTING, INC.
Form 5500
FILING_RECEIVED
CEDAR RIVER CONTRACTING, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
~88 bps in Sched C feesNo recordkeeper disclosed
Active participants
119
Accounts w/ balance
139
Plan assets (EOY)
$8.1M
Net assets (EOY)
$8.1M
How this plan invests
This plan
9 pooled trusts
Schedule D
28 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
- 88 bps in Schedule C fees — 70% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CEDAR RIVER CONTRACTING, INC..
Plan sponsor
Name
CEDAR RIVER CONTRACTING, INC.
EIN
42-1433596
Address
1127 LINCOLN STREET · P.O. BOX 967 · CEDAR FALLS, IA · 50613
Phone
(319) 277-7503
Industry
Management of Companies / Holdingssee 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
2025-09-11
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
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $39K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RSM US LLP | 42-0714325 | — | ACCOUNTANT | $33K | — |
Investments
25 direct securities · 9 pooled funds· $9.8M(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
$7.0M
25 holdings
Common Collective Trust
$2.8M
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund | — | — | — | $1.7M | 20.9% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $1.2M | 15.0% | |
| GALLIARD STABLE RETURN PN SEI TRUST COMPANY · EIN 41-6202499 / PN 001 | Common Collective Trust | — | — | $934K | 11.5% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $853K | 10.5% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $582K | 7.2% | |
| PRIN/BR AGG BD INDEX CIT N SEI TRUST COMPANY · EIN 20-5699010 / PN 001 | Common Collective Trust | — | — | $500K | 6.1% | |
| Prin/BR Agg Bd Index CIT N | — | — | — | $394K | 4.9% | |
| PRIN/BR S&P MID INDEX CIT N SEI TRUST COMPANY · EIN 52-2265235 / PN 001 | Common Collective Trust | — | — | $389K | 4.8% | |
| Prin/BR S&P Mid Index CIT N | — | — | — | $365K | 4.5% | |
| PRIN/BR LG CAP GROWTH CIT N SEI TRUST COMPANY · EIN 52-2265232 / PN 001 | Common Collective Trust | — | — | $335K | 4.1% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $318K | 3.9% | |
| Prin/BR Lg Cap Growth CIT N | — | — | — | $316K | 3.9% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $214K | 2.6% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $167K | 2.1% | |
| PRIN/BR S&P 500 INDEX CIT N SEI TRUST COMPANY · EIN 94-3224211 / PN 001 | Common Collective Trust | — | — | $166K | 2.0% | |
| PRIN/BR LG CAP VALUE CIT N SEI TRUST COMPANY · EIN 52-2265227 / PN 001 | Common Collective Trust | — | — | $138K | 1.7% | |
| Prin/BR S&P 500 Index CIT N | — | — | — | $127K | 1.6% | |
| PRIN/BR RUSS 2000 I CIT N SEI TRUST COMPANY · EIN 52-2265233 / PN 001 | Common Collective Trust | — | — | $126K | 1.6% | |
| Prin/BR Russ 2000 I CIT N | — | — | — | $115K | 1.4% | |
| Vanguard Target Retirement Income Fund | — | — | — | $113K | 1.4% | |
| PRIN/BR INTL EQ INDX CIT N SEI TRUST COMPANY · EIN 52-2265229 / PN 001 | Common Collective Trust | — | — | $111K | 1.4% | |
| Prin/BR Agg Bd Index CIT TR | — | — | — | $105K | 1.3% | |
| SHORT-TERM INV FUND A TR SEI TRUST COMPANY · EIN 41-6292499 / PN 001 | Common Collective Trust | — | — | $76K | 0.9% | |
| Prin/BR Intl Eq Indx CIT N | — | — | — | $74K | 0.9% | |
| Vanguard Target Retirement 2070 Fund | — | — | — | $68K | 0.8% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $62K | 0.8% | |
| Prin/BR S&P 500 Index CIT TR | — | — | — | $39K | 0.5% | |
| Prin/BR Intl Eq Indx CIT TR | — | — | — | $37K | 0.4% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $31K | 0.4% | |
| Prin/BR S&P Mid Index CIT TR | — | — | — | $24K | 0.3% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $22K | 0.3% | |
| Prin/BR Lg Cap Growth CIT TR | — | — | — | $19K | 0.2% | |
| Prin/BR Lg Cap Value CIT TR | — | — | — | $12K | 0.1% | |
| Prin/BR Russ 2000 I CIT TR | — | — | — | $12K | 0.1% |
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