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Original filing (PDF)20251010110948NAL0012930624001
ESTES EXPRESS LINES
Form 5500
FILING_RECEIVED
ESTES EXPRESS LINES 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
20,409
Accounts w/ balance
12,042
Plan assets (EOY)
$866.1M
Net assets (EOY)
$866.1M
How this plan invests
This plan
14 pooled trusts
Schedule D
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 14 bps in Schedule C fees — 139% above peer band of 6 bps.
- 59% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ESTES EXPRESS LINES.
Plan sponsor
Name
ESTES EXPRESS LINES
EIN
54-0492941
Address
3901 W BROAD ST. · RICHMOND, VA · 232303962
Phone
(804) 353-1900
Industry
Transportation & Warehousingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
2A · Age/service weighted or new comparability
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JOYNER KIRKHAM KEEL & ROBERTSON PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $608K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $636K | — |
Investments
8 direct securities · 14 pooled funds· $868.4M(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.
Common Collective Trust
$471.3M
14 holdings
Uncategorized
$397.1M
8 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund | — | — | $119.6M | $148.0M | 17.1% | |
| Vanguard U.S. Growth Fund (Adm) | — | — | $76.4M | $83.3M | 9.6% | |
| BTC LIFEPATH RET O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2859118 / PN 001 | Common Collective Trust | — | $81.3M | $82.2M | 9.5% | |
| STABLE VALUE FUND I1 GREAT GRAY TRUST COMPANY · EIN 85-4031707 / PN 653 | Common Collective Trust | — | $74.5M | $80.6M | 9.3% | |
| Dodge & Cox Dodge and Cox Income Fund | — | — | $63.6M | $60.7M | 7.0% | |
| BTC LIFEPATH 2035 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2849635 / PN 001 | Common Collective Trust | — | $49.1M | $55.1M | 6.4% | |
| INTERNATIONAL EQ I1 GREAT GRAY TRUST COMPANY · EIN 38-4139853 / PN 631 | Common Collective Trust | — | $47.4M | $53.0M | 6.1% | |
| BTC LIFEPATH 2030 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2849592 / PN 001 | Common Collective Trust | — | $46.4M | $50.8M | 5.9% | |
| Vanguard Windsor II Fund (Adm) | — | — | $39.7M | $39.6M | 4.6% | |
| BTC LIFEPATH 2040 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2858930 / PN 001 | Common Collective Trust | — | $32.0M | $36.9M | 4.3% | |
| PARTICIPANT LOANS * Participant Loans Interest Rates from 4.25% to 10.5% - | — | — | — | $34.8M | 4.0% | |
| BTC LIFEPATH 2045 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2858957 / PN 001 | Common Collective Trust | — | $24.7M | $28.8M | 3.3% | |
| BTC LIFEPATH 2050 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2859039 / PN 001 | Common Collective Trust | — | $17.5M | $20.8M | 2.4% | |
| Fidelity International Index Fund | — | — | $20.2M | $20.2M | 2.3% | |
| BTC LIFEPATH 2055 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2859078 / PN 001 | Common Collective Trust | — | $15.6M | $18.4M | 2.1% | |
| SMALL CAP GR II I1 GREAT GRAY TRUST COMPANY · EIN 38-4126288 / PN 592 | Common Collective Trust | — | $12.6M | $12.7M | 1.5% | |
| SMALL CAP VAL II I1 GREAT GRAY TRUST COMPANY · EIN 38-4097325 / PN 488 | Common Collective Trust | — | $10.7M | $12.3M | 1.4% | |
| BTC LIFEPATH 2060 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 47-1996611 / PN 001 | Common Collective Trust | — | $10.1M | $11.9M | 1.4% | |
| Fidelity U.S. Bond Index Fund | — | — | $10.9M | $10.2M | 1.2% | |
| BTC LIFEPATH 2065 O BLACKROCK INST. TRUST COMPANY, N. A · EIN 84-1858562 / PN 001 | Common Collective Trust | — | $6.7M | $7.9M | 0.9% | |
| REGISTERED INVESTMENT COMPANIES (Mutual Funds) * Fidelity Government Money Market | — | — | $459K | $459K | <0.1% | |
| BTC LIFEPATH 2025 O BLACKROCK INST. TRUST COMPANY, N.A. · EIN 45-2849545 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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