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Original filing (PDF)20250929084844NAL0004921555001
CREDIT BUREAU SYSTEMS, INC.
Form 5500
FILING_RECEIVED
CREDIT BUREAU SYSTEMS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
194
Accounts w/ balance
138
Plan assets (EOY)
$4.3M
Net assets (EOY)
$4.3M
How this plan invests
This plan
1 pooled trust
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (26 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CREDIT BUREAU SYSTEMS, INC..
Plan sponsor
Name
CREDIT BUREAU SYSTEMS, INC.
EIN
61-0925848
Address
100 FULTON COURT · PADUCAH, KY · 42002
Phone
(270) 744-9000
Industry
Admin Support & Waste Mgmtsee 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
2025-09-29
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
WILLIAMS, WILLIAMS & LENTZ, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FUTURE CAPITAL | 62-1823351 | — | NONE | $8K | — |
| AMERICAN UNITED LIFE INSURANCE CO | 35-0145825 | — | NONE | $3K | — |
Investments
32 direct securities · 1 pooled fund· $8.1M(100% 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
$4.3M
32 holdings
Pooled Separate Account
$3.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT II AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000 | Pooled Separate Account | — | — | $3.8M | 88.7% | |
| Fidelity 500 Index AUL Pools Separate Account | — | — | — | $598K | 13.9% | |
| Vanguard Selected Value Inv AUL Pools Separate Account ** 294 * Vanguard US Growth Adm AUL Pools Separate Account | — | — | — | $444K | 10.3% | |
| AUL Stable Value Account Guaranteed investment contract | — | — | — | $354K | 8.2% | |
| Vanguard Intl GR Adm AUL Pools Separate Account | — | — | — | $335K | 7.8% | |
| Vanguard Equity-Income Adm AUL Pools Separate Account | — | — | — | $328K | 7.6% | |
| Fidelity Advisor Total Bond Z AUL Pools Separate Account | — | — | — | $295K | 6.8% | |
| Pioneer Strat Inc K AUL Pools Separate Account | — | — | — | $225K | 5.2% | |
| Nuveen Lifecycle Idx 2035 R6 AUL Pools Separate Account | — | — | — | $185K | 4.3% | |
| American Funds Europac Grth R6 AUL Pools Separate Account | — | — | — | $171K | 4.0% | |
| MFS Core Equity R6 AUL Pools Separate Account | — | — | — | $155K | 3.6% | |
| Columbia Overseas Value I3 AUL Pools Separate Account | — | — | — | $155K | 3.6% | |
| Participant loans Notes Receivable with interest rates ranging from 4.25% to 9.5% - | — | — | — | $135K | 3.1% | |
| Nuveen Lifecycle Idx 2045 R6 AUL Pools Separate Account | — | — | — | $120K | 2.8% | |
| Fidelity SM Cap Index AUL Pools Separate Account | — | — | — | $120K | 2.8% | |
| Dfa US Targeted Val I AUL Pools Separate Account | — | — | — | $112K | 2.6% | |
| Nuveen Lifecycle Idx 2040 R6 AUL Pools Separate Account | — | — | — | $106K | 2.5% | |
| Dfa Real Estate Securities I AUL Pools Separate Account | — | — | — | $102K | 2.4% | |
| Vanguard Explorer Adm AUL Pools Separate Account | — | — | — | $79K | 1.8% | |
| Nuveen Lifecycle Idx 2020 R6 AUL Pools Separate Account | — | — | — | $73K | 1.7% | |
| Nuveen Lifecycle Idx 2050 R6 AUL Pools Separate Account ** 70 * Nuveen Lifecycle Idx 2055 R6 AUL Pools Separate Account | — | — | — | $56K | 1.3% | |
| Nuveen Lifecycle Idx 2025 R6 AUL Pools Separate Account | — | — | — | $41K | 1.0% | |
| JPMorgan Mid Cap Value R6 AUL Pools Separate Account | — | — | — | $34K | 0.8% | |
| Nuveen Lifecycle Idx 2060 R6 AUL Pools Separate Account | — | — | — | $19K | 0.4% | |
| Pioneer Sel Mid Cap Growth K AUL Pools Separate Account | — | — | — | $16K | 0.4% | |
| Nuveen Lifecycle Idx 2030 R6 AUL Pools Separate Account | — | — | — | $10K | 0.2% | |
| Nuveen Lifecycle Idx Inc R6 AUL Pools Separate Account | — | — | — | $9K | 0.2% | |
| American Funds American Balanced R6 AUL Pools Separate Account | — | — | — | $7K | 0.2% | |
| American Funds New Perspective R6 AUL Pools Separate Account | — | — | — | $6K | 0.1% | |
| Nuveen Lifecycle Idx 2010 R6 AUL Pools Separate Account | — | — | — | $6K | 0.1% | |
| American Funds Intm BD Fd Amer R6 AUL Pools Separate Account | — | — | — | $6K | 0.1% | |
| Fidelity Midcap Idx AUL Pools Separate Account | — | — | — | $6K | 0.1% | |
| Nuveen Lifecycle Idx 2015 R6 AUL Pools Separate Account | — | — | — | $5K | 0.1% |
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