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Original filing (PDF)20250819153434NAL0004632114001
BILL PENNEY MOTOR COMPANY, INC.
Form 5500
FILING_RECEIVED
BILL PENNEY HUNTSVILLE 401(K) PLAN
401(k) retirement plan
Signals · 2
34% in single holding~91 bps in Sched C fees
Active participants
229
Accounts w/ balance
153
Plan assets (EOY)
$3.7M
Net assets (EOY)
$3.7M
How this plan invests
This plan
2 pooled trusts
Schedule D
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
83
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- Top holding "Common Collective Trust Funds * Empower Trust Company Long-term capital appreciation fund" is 34% of plan.
- 91 bps in Schedule C fees — 74% above peer band of 52 bps.
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BILL PENNEY MOTOR COMPANY, INC..
Plan sponsor
Name
BILL PENNEY MOTOR COMPANY, INC.
EIN
63-0626817
Address
4804 UNIVERSITY DRIVE, NW · HUNTSVILLE, AL · 35816
Phone
(256) 837-1111
Industry
Retail Tradesee 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
2025-08-19
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $26K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY LLC | — | NEW YORK, NY | BROKER/ADVISOR | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STONES RIVER CONSULTING INC | 45-3783933 | — | CONTRACT ADMIN | $3K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL AUTOMOBILE DEALERS ASSN | — | MCCLEAN, VA | OTHER | $4K | — |
| CAPFINACIAL PARTNERS LLC | — | RALEIGH, NC | OTHER | $634 | — |
Investments
22 direct securities · 2 pooled funds· $5.3M(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
$3.6M
21 holdings
Common Collective Trust
$1.6M
2 holdings
Mutual Funds
$15K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Common Collective Trust Funds * Empower Trust Company Long-term capital appreciation fund | — | — | — | $1.3M | 34.1% | |
| EMPOWER TRUST DRIVE BALANCED FUND EMPOWER TRUST COMPANY · EIN 47-7326992 / PN 110 | Common Collective Trust | — | — | $1.3M | 34.1% | |
| T. Rowe Price Retirement Blend Select Tr 2045 | — | — | — | $598K | 16.2% | |
| Stable Value Collective Trust Fund * Empower Trust Company Stable Value Fund | — | — | — | $351K | 9.5% | |
| EMPOWER TRUST DRIVE INCOME FUND EMPOWER TRUST COMPANY · EIN 47-7326992 / PN 111 | Common Collective Trust | — | — | $351K | 9.5% | |
| T. Rowe Price Retirement Blend Select Tr 2040 | — | — | — | $303K | 8.2% | |
| T. Rowe Price Retirement Blend Select Tr 2025 | — | — | — | $225K | 6.1% | |
| T. Rowe Price Retirement Blend Select Tr 2050 | — | — | — | $196K | 5.3% | |
| T. Rowe Price Retirement Blend Select Tr 2035 | — | — | — | $194K | 5.3% | |
| Northern Trust S&P 500 Index Fd Dc Nl | — | — | — | $130K | 3.5% | |
| T. Rowe Price Retirement Blend Select Tr 2030 | — | — | — | $93K | 2.5% | |
| T. Rowe Price Retirement Blend Select Tr 2055 | — | — | — | $79K | 2.1% | |
| Mass Mutual Mid Cap Growth I | — | — | — | $42K | 1.2% | |
| Fidelity Total don K6 | — | — | — | $41K | 1.1% | |
| American Funds Europacific Growth | — | — | — | $22K | 0.6% | |
| Principal Small Cap Growth Fund | — | — | — | $21K | 0.6% | |
| Northern Trust Gro Idx R1000 Fd Dc Nl 969 Northern Trust Gro Idx R2000 Fd Dc Nl | — | — | — | $18K | 0.5% | |
| T. Rowe Price Retirement Blend Select Tr 2065 | — | — | — | $16K | 0.4% | |
| Northern Trust S&P 400 Index Fd Dc Nl | — | — | — | $15K | 0.4% | |
| Allspring Small-Cap Value Fund | Mutual Funds | — | — | $15K | 0.4% | |
| T. Rowe Price Retirement Blend Select Tr 2060 | — | — | — | $14K | 0.4% | |
| Northern Trust US Investible Market Index | — | — | — | $12K | 0.3% | |
| MFS Investment Management Mid Cap Value Fund | — | — | — | $9K | 0.2% | |
| Victory Trivalent International Small Cap | — | — | — | $7K | 0.2% |