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Original filing (PDF)20251013170925NAL0001757313001
RED RIVER COMMODITIES, INC.
Form 5500
FILING_RECEIVED
401(K) SAVINGS PLAN OF RED RIVER COMMODITIES
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
316
Accounts w/ balance
509
Plan assets (EOY)
$20.7M
Net assets (EOY)
$20.7M
How this plan invests
This plan
1 pooled trust
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 36 bps in Schedule C fees — modestly 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 RED RIVER COMMODITIES, INC..
Plan sponsor
Name
RED RIVER COMMODITIES, INC.
EIN
45-0321457
Address
501 42ND STREET NW. · FARGO, ND · 58102
Phone
(701) 282-2600
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2S · Automatic enrollment
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
EIDE BAILLY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LC MORGAN STANLEY | — | BALTIMORE, MD | NONE | $46K | — |
| ASCENSUS LLC | 11-3665754 | — | NONE | $29K | — |
Investments
26 direct securities · 1 pooled fund· $19.3M(93% 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
$18.3M
26 holdings
Common Collective Trust
$991K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Growth Fund of Amer R4 American Funds 0 | — | — | — | $4.1M | 19.9% | |
| American Funds Trgt Date Ret 2050 R4 American Funds 0 | — | — | — | $1.7M | 8.4% | |
| American Funds Fundamental Inv R4 American Funds 0 | — | — | — | $1.3M | 6.2% | |
| American Funds Washington Mutual R4 American Funds 0 | — | — | — | $1.2M | 6.0% | |
| American Funds Trgt Date Ret 2035 R4 American Funds 0 | — | — | — | $1.2M | 5.8% | |
| American Funds Trgt Date Ret 2040 R4 American Funds 0 | — | — | — | $1.1M | 5.3% | |
| American Funds Trgt Date Ret 2055 R4 American Funds 0 | — | — | — | $1.0M | 5.0% | |
| MORLEY STABLE VALUE FUND FEE CLASS MORLEY FINANCIAL SERVICES, INC. · EIN 93-6274329 / PN 175 | Common Collective Trust | — | — | $991K | 4.8% | |
| American Funds EuroPacific Gr R4 American Funds 0 | — | — | — | $984K | 4.8% | |
| American Funds New Economy R4 American Funds 0 | — | — | — | $864K | 4.2% | |
| American Funds Trgt Date Ret 2030 R4 American Funds 0 | — | — | — | $783K | 3.8% | |
| American Funds Inc Fund of Amer R4 American Funds 0 | — | — | — | $674K | 3.3% | |
| MassMutual S&P 500 Index R4 MassMutual 0 | — | — | — | $549K | 2.7% | |
| American Funds Trgt Date Ret 2025 R4 American Funds 0 | — | — | — | $464K | 2.2% | |
| Various Rates and Maturities Participant's Loan Account 0 | — | — | — | $330K | 1.6% | |
| American Funds New Perspective R4 American Funds 0 | — | — | — | $328K | 1.6% | |
| American Funds SMALLCAP World R4 American Funds 0 | — | — | — | $291K | 1.4% | |
| American Funds American Balanced R4 American Funds 0 | — | — | — | $284K | 1.4% | |
| American Funds Cap World Gr & Inc R4 American Funds 0 | — | — | — | $253K | 1.2% | |
| American Funds Trgt Date Ret 2020 R4 American Funds 0 | — | — | — | $193K | 0.9% | |
| American Funds Trgt Date Ret 2060 R4 American Funds 0 | — | — | — | $172K | 0.8% | |
| American Funds Trgt Date Ret 2015 R4 American Funds 0 | — | — | — | $156K | 0.8% | |
| American Funds Interm Bd Fd of Amer R4 American Funds 0 | — | — | — | $140K | 0.7% | |
| American Funds New World R4 American Funds 0 | — | — | — | $73K | 0.4% | |
| American Funds Trgt Date Ret 2010 R4 American Funds 0 | — | — | — | $50K | 0.2% | |
| American Funds Bond Fund of Amer R4 American Funds 0 | — | — | — | $30K | 0.1% | |
| Contribution Account Ascensus Trust Company 0 | — | — | — | $4K | <0.1% |
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