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Original filing (PDF)20250903075251NAL0015175633001
SADDLE CREEK CORPORATION DBA SADDLE CREEK LOGISTICS
Form 5500
FILING_RECEIVED
SADDLE CREEK CORPORATION RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
6 service providers
Active participants
4,568
Accounts w/ balance
5,800
Plan assets (EOY)
$155.5M
Net assets (EOY)
$155.5M
How this plan invests
This plan
1 pooled trust
Schedule D
26 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
- 35 bps in Schedule C fees — 252% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SADDLE CREEK CORPORATION DBA SADDLE CREEK LOGISTICS.
Plan sponsor
Name
SADDLE CREEK CORPORATION DBA SADDLE CREEK LOGISTICS
EIN
59-1166474
Address
3010 SADDLE CREEK ROAD · LAKELAND, FL · 33801
Phone
(863) 665-0966
Industry
Transportation & Warehousingsee 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
2025-09-03
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
REHMANN ROBSON LLC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $466K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PNC BANK NA | — | CLEVELAND, OH | INVESTMENT ADVISOR | $56K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENT ADVISORS LLC | — | DALLAS, TX | OTHER | $13K | — |
| LPL FINANCIAL | — | SAN DIEGO, CA | OTHER | $12K | — |
| QDRO CONSULTANTS COMPANY, LLC | — | MEDINA, OH | OTHER | $900 | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $316 | — |
Investments
25 direct securities · 1 pooled fund· $148.8M(96% 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
$141.1M
24 holdings
Mutual Funds
$4.6M
1 holding
Common Collective Trust
$3.1M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2030 Target Date Retirement | — | — | — | $20.8M | 13.4% | |
| American Funds American Funds 2035 Target Date Retirement | — | — | — | $20.0M | 12.9% | |
| American Funds American Funds 2040 Target Date Retirement | — | — | — | $16.6M | 10.7% | |
| American Funds American Funds 2025 Target Date Retirement | — | — | — | $14.2M | 9.1% | |
| American Funds American Funds 2045 Target Date Retirement | — | — | — | $13.9M | 9.0% | |
| American Funds American Funds 2050 Target Date Retirement | — | — | — | $11.0M | 7.1% | |
| American Funds American Funds 2055 Target Date Retirement | — | — | — | $8.8M | 5.6% | |
| American Funds American Funds 2060 Target Date Retirement | — | — | — | $6.3M | 4.1% | |
| Fidelity 500 Index | — | — | — | $5.9M | 3.8% | |
| American Funds American Funds 2020 Target Date Retirement | — | — | — | $5.7M | 3.6% | |
| Alliance Bernstein Ab Large Cap Growth Z | Mutual Funds | — | — | $4.6M | 3.0% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $3.1M | 2.0% | |
| Vanguard Equity-Income | — | — | — | $2.4M | 1.6% | |
| Vanguard Small Cap | — | — | — | $2.0M | 1.3% | |
| American Funds American Funds 2015 Target Date Retirement | — | — | — | $1.7M | 1.1% | |
| Vanguard Explorer | — | — | — | $1.7M | 1.1% | |
| JPMorgan Mid Cap Growth | — | — | — | $1.6M | 1.0% | |
| Dodge & Cox Dodge& Cox Income | — | — | — | $1.5M | 1.0% | |
| Vanguard Mid-Cap | — | — | — | $1.5M | 0.9% | |
| American Funds American Funds 2065 Target Date Retirement | — | — | — | $1.4M | 0.9% | |
| Dodge & Cox Dodge & Cox International Stock X | — | — | — | $996K | 0.6% | |
| Victory Sycamore Victory Sycamore Established Value | — | — | — | $924K | 0.6% | |
| MFS International Growth | — | — | — | $820K | 0.5% | |
| Pimco Rae Pimco Rae Us Small Instl | — | — | — | $644K | 0.4% | |
| American Funds American Funds 2010 Target Date Retirement | — | — | — | $564K | 0.4% | |
| Vanguard Short-Term Inflation Protection | — | — | — | $145K | <0.1% |