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Original filing (PDF)20250912101945NAL0001827200001
10 ROADS EXPRESS
Form 5500
FILING_RECEIVED
10 ROADS EXPRESS 401(K) PLAN
401(k) retirement plan
Signals · 1
88% in single holding
Active participants
3,609
Accounts w/ balance
1,515
Plan assets (EOY)
$63.0M
Net assets (EOY)
$63.0M
How this plan invests
This plan
2 pooled trusts
Schedule D
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
81
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "[DFE: MIP CL 2 (no filing on disk)]" is 88% of plan.
- 29 bps in Schedule C fees — 84% above peer band of 16 bps.
- Only 42% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for 10 ROADS EXPRESS.
Plan sponsor
Name
10 ROADS EXPRESS
EIN
61-1947439
Address
2200 ABBOTT DRIVE · CARTER LAKE, IA · 51510
Phone
(402) 216-0222
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
2025-09-12
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
2X · Other multiple-employer DC plan
2E · Profit-sharing
2U · Association Retirement Plan
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
LUTZ & COMPANY, 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 | $116K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL LLC | 04-3046611 | — | ADVISOR | $55K | — |
| BRIDGES INVESTMENT MANAGEMENT INC | 47-0784180 | — | INVESTMENT ADVISOR | $14K | — |
Investments
2 pooled funds· $3.3M(5% 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.
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MIP CL 2 FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 024 | Common Collective Trust | — | — | $2.9M | 4.6% | |
| MID CAP GROWTH R1 GREAT GRAY TRUST COMPANY · EIN 38-4126247 / PN 549 | Common Collective Trust | — | — | $401K | 0.6% |