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Original filing (PDF)20251009100841NAL0006416593001
R.L. YOUNG, LLC
Form 5500
FILING_RECEIVED
YOUNG & ASSOCIATES 401(K) PLAN
401(k) retirement plan
Active participants
724
Accounts w/ balance
579
Plan assets (EOY)
$26.2M
Net assets (EOY)
$26.2M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (20 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for R.L. YOUNG, LLC.
Plan sponsor
Name
R.L. YOUNG, LLC
EIN
46-1989547
Address
12851 MANCHESTER ROAD, SUITE 160 · DES PERES, MO · 63131
Phone
(314) 325-8516
Industry
Professional & Technical Servicessee 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
2S · Automatic enrollment
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
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $5K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING | 84-4519624 | — | CONSULTANT | $35K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $12K | — |
Investments
29 direct securities· $26.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FID 500 INDEX Mutual Funds | — | — | — | $3.5M | 13.2% | |
| FID FDM IDX 2050 INV Mutual Funds | — | — | — | $3.1M | 11.9% | |
| FID FDM IDX 2045 INV Mutual Funds | — | — | — | $3.0M | 11.3% | |
| FID LG CAP GR IDX Mutual Funds | — | — | — | $2.6M | 10.0% | |
| FID FDM IDX 2040 INV Mutual Funds | — | — | — | $2.4M | 9.3% | |
| FID FDM IDX 2030 INV Mutual Funds | — | — | — | $2.4M | 9.1% | |
| FID FDM IDX 2035 INV Mutual Funds | — | — | — | $2.3M | 8.8% | |
| FID FDM IDX 2055 INV Mutual Funds | — | — | — | $944K | 3.6% | |
| FID FDM IDX 2060 INV Mutual Funds | — | — | — | $687K | 2.6% | |
| FID FDM IDX 2025 INV Mutual Funds | — | — | — | $561K | 2.1% | |
| FID US BOND IDX Mutual Funds | — | — | — | $533K | 2.0% | |
| FID TOTAL MKT IDX Mutual Funds | — | — | — | $518K | 2.0% | |
| FID GLB EX US IDX Mutual Funds | — | — | — | $518K | 2.0% | |
| FID GOVT MMKT K6 Mutual Funds | — | — | — | $431K | 1.6% | |
| FID FDM IDX 2065 INV Mutual Funds | — | — | — | $422K | 1.6% | |
| FID LG CAP VAL IDX Mutual Funds | — | — | — | $403K | 1.5% | |
| Participant loans 4.25% - 9.50% | — | — | — | $332K | 1.3% | |
| FID MID CAP IDX Mutual Funds | — | — | — | $282K | 1.1% | |
| FID MID CAP GR IDX Mutual Funds | — | — | — | $238K | 0.9% | |
| FID EMRG MKTS IDX Mutual Funds | — | — | — | $215K | 0.8% | |
| FID MID CAP VAL IDX Mutual Funds | — | — | — | $200K | 0.8% | |
| FID SM CAP IDX Mutual Funds | — | — | — | $193K | 0.7% | |
| FID SM CAP VAL IDX Mutual Funds | — | — | — | $122K | 0.5% | |
| FID FDM IDX 2020 INV Mutual Funds | — | — | — | $87K | 0.3% | |
| FID FDM IDX 2015 INV Mutual Funds | — | — | — | $69K | 0.3% | |
| FID SM CAP GR IDX Mutual Funds | — | — | — | $67K | 0.3% | |
| FID REAL ESTATE IDX Mutual Funds | — | — | — | $55K | 0.2% | |
| FID INFL PR BD IDX Mutual Funds | — | — | — | $27K | 0.1% | |
| FID FDM IDX INC INV Mutual Funds 566 * FID FDM IDX 2010 INV Mutual Funds | — | — | — | $3K | <0.1% |
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