Back to filter
Original filing (PDF)20250925135604NAL0009259024001
CL ENTERPRISES, LLC
Form 5500
FILING_RECEIVED
CL ENTERPRISES 401(K) PLAN
401(k) retirement plan
Signals · 1
~79 bps in Sched C fees
Active participants
555
Accounts w/ balance
740
Plan assets (EOY)
$8.1M
Net assets (EOY)
$8.1M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 79 bps in Schedule C fees — 52% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CL ENTERPRISES, LLC.
Plan sponsor
Name
CL ENTERPRISES, LLC
EIN
46-4384209
Address
315 FIFTH STREET · PERU, IL · 61354
Phone
(815) 915-5805
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
2025-09-25
Pension benefit codes
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
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CASSELL PLAN AUDITS, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $29K | — |
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $6K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FAIRCOURT PARTNERS LLC | — | CHICAGO, IL | INVESTMENT ADVISOR | $16K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENTEGRA SERVICES INC | — | WHITE PLAINS, NY | CONTRACT ADMIN | $6K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $7K | — |
Investments
31 direct securities· $8.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund | — | — | — | $1.7M | 20.9% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $1.1M | 13.8% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $723K | 8.9% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $554K | 6.8% | |
| Fidelity 500 Index Fund | — | — | — | $535K | 6.6% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $397K | 4.9% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $391K | 4.8% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $357K | 4.4% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $334K | 4.1% | |
| Fidelity Total International Fund | — | — | — | $222K | 2.7% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $216K | 2.7% | |
| Fidelity Mid Cap Index Fund | — | — | — | $174K | 2.2% | |
| Vanguard Balanced Index Fund | — | — | — | $162K | 2.0% | |
| JPMorgan Trust JPMorgan Growth Advantage Fund | — | — | — | $155K | 1.9% | |
| JPMorgan Trust JPMorgan Core Plus Bond Fund | — | — | — | $143K | 1.8% | |
| Dimensional Fund Advisors DFA U.S. Sustainability Core Fund | — | — | — | $124K | 1.5% | |
| Dimensional Fund Advisors DFA U.S. Small Cap Fund | — | — | — | $117K | 1.4% | |
| Participants Notes receivable from participants (interest rate | — | — | — | $103K | 1.3% | |
| Empower Annuity Insurance Company of America Guaranteed Interest Fund | — | — | — | $96K | 1.2% | |
| Vanguard Target Retirement Income Fund | — | — | — | $85K | 1.0% | |
| Dimensional Fund Advisors DFA International Core Equity Fund | — | — | — | $58K | 0.7% | |
| Vanguard Equity-Income Fund | — | — | — | $58K | 0.7% | |
| Dimensional Fund Advisors DFA Global Real Estate Fund | — | — | — | $56K | 0.7% | |
| PIMCO Income Fund | — | — | — | $51K | 0.6% | |
| Dimensional Fund Advisors DFA Emerging Markets Core Equity Fund | — | — | — | $43K | 0.5% | |
| Vanguard Target Retirement 2070 Fund | — | — | — | $43K | 0.5% | |
| American Funds American Funds New Perspective Fund | — | — | — | $33K | 0.4% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $22K | 0.3% | |
| BlackRock Advisors LLC BlackRock High Yield Bond Fund | — | — | — | $18K | 0.2% | |
| Fidelity Government Money Market Fund | — | — | — | $13K | 0.2% | |
| AQR Funds AQR Multi-Asset Fund | — | — | — | $2K | <0.1% |
Related plans
Other plans using EMPOWER ANNUITY INSURANCE CO
TRINET HR IV, LLC
TRINET SELECT 401(K) PLAN
$3.0B · 28,477 participants
THE MOSES H. CONE MEMORIAL HOSPITAL OPERATING CORPORATION
THE MOSES H. CONE MEMORIAL HOSPITAL VOLUNTARY SAVINGS PLAN
$1.6B · 13,920 participants
LOCAL UNION 98 I.B.E.W. - TRUSTEES PROFIT SHARING PLAN
INTERNATIONAL BROTHERHOOD OF ELECTRICAL WORKERS LOCAL UNION 98 - PROFIT SHARING PLAN
$1.3B · 3,867 participants
COADVANTAGE CORPORATION
COADVANTAGE CORPORATION RETIREMENT SAVINGS PLAN
$1.2B · 76,258 participants
DEMOULAS SUPER MARKETS, INC.
DEMOULAS (RESTATED) PROFIT SHARING PLAN & TRUST
$1.1B · 14,883 participants
IBEW LOCAL UNION NO 102 SURETY PLAN BOARD OF TRUSTEES
IBEW LOCAL UNION NO 102 SURETY PLAN
$684.9M · 2,337 participants
Similar-size Management of Companies / Holdings plans
LAKESIDE CAPITAL GROUP MANAGEMENT, LLC
LAKESIDE CAPITAL GROUP MANAGEMENT, LLC 401(K) PLAN
$8.1M · 216 participants
UNITED MARKETING SERVICES INC
UNITED GROUP 401(K) PLAN
$8.1M · 32 participants
KIMMINS CORP.
KIMMINS 401K SAVINGS PLAN
$8.1M · 161 participants
ABSOLUTE CONCRETE CONSTRUCTION, INC.
ABSOLUTE GROUP 401(K) PLAN
$8.1M · 280 participants
RYAN ENTERPRISES GROUP LLC
RYAN ENTERPRISES GROUP LLC
$8.1M · 89 participants
CEDAR RIVER CONTRACTING, INC.
CEDAR RIVER CONTRACTING, INC. 401(K) PROFIT SHARING PLAN
$8.1M · 119 participants
Large plans in Illinois
NORTHERN TRUST INVESTMENTS, INC.
NORTHERN TRUST COLLECTIVE S&P 500 INDEX FUND - NON-LENDING
$91.1B
NORTHERN TRUST INVESTMENTS, INC.
NORTHERN TRUST COLLECTIVE S&P 500 INDEX FUND - DC - NON-LENDING
$62.8B
TRUSTEES OF CENTRAL STATES, SE AND SW AREAS PENSION FUND
CENTRAL STATES, SOUTHEAST & SOUTHWEST AREAS PENSION PLAN
$48.2B · 38,102 participants
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
STATE FARM INSURANCE COMPANIES RETIREMENT PLAN FOR UNITED STATES EMPLOYEES
$37.7B · 39,712 participants
NORTHERN TRUST INVESTMENTS, INC.
NORTHERN TRUST COLLECTIVE S&P 500 INDEX FUND - LENDING
$35.5B
NORTHERN TRUST INVESTMENTS, INC.
NORTHERN TRUST COLLECTIVE SHORT TERM INVESTMENT
$29.7B