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Original filing (PDF)20251014172325NAL0003494145001
GULF DISTRIBUTING CO., INC.
Form 5500
FILING_RECEIVED
GULF DISTRIBUTING COMPANIES 401(K) PLAN
401(k) retirement plan
Active participants
1,391
Accounts w/ balance
1,007
Plan assets (EOY)
$23.3M
Net assets (EOY)
$23.3M
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
- 62 bps in Schedule C fees — 115% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GULF DISTRIBUTING CO., INC..
Plan sponsor
Name
GULF DISTRIBUTING CO., INC.
EIN
63-0657383
Address
3378 MOFFETT RD · MOBILE, AL · 36607
Phone
(251) 476-9600
Industry
Wholesale 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
2025-10-14
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)
3H · Sponsor in controlled / affiliated group
2U · Association Retirement Plan
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
THE HIGHLANDS ACCOUNTING GROUP
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 | $93K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| REGIONS BANK | 63-0371391 | — | ADVISOR | $52K | — |
Investments
25 direct securities · 1 pooled fund· $22.1M(95% 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
$21.5M
25 holdings
Common Collective Trust
$637K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2025 a | — | — | — | $2.4M | 10.2% | |
| T. Rowe Price T. Rowe Price Blue Chip Growth Fund a | — | — | — | $2.3M | 9.9% | |
| Vanguard Target Retirement 2045 a | — | — | — | $1.8M | 7.8% | |
| Vanguard Target Retirement 2050 a | — | — | — | $1.8M | 7.7% | |
| Vanguard Target Retirement 2035 a | — | — | — | $1.8M | 7.6% | |
| Vanguard Target Retirement 2055 a | — | — | — | $1.4M | 6.1% | |
| Vanguard Target Retirement 2040 a | — | — | — | $1.3M | 5.6% | |
| Fidelity Small-Cap Growth Index Fund Admiral a | — | — | — | $1.1M | 4.6% | |
| Fidelity International Index Fund a | — | — | — | $983K | 4.2% | |
| MFS Value Fund Class R6 a | — | — | — | $962K | 4.1% | |
| Participant Loans Interest rates range from 4.25% to 9.50%, various maturities -0- | — | — | — | $700K | 3.0% | |
| MFS Mid Cap Growth R6 a | — | — | — | $671K | 2.9% | |
| Metropolitan West Met West Total Return Bond Fund a | — | — | — | $655K | 2.8% | |
| Federated Investors Trust Co. Federated Hermes Capital Preservation Fund R6 a | — | — | — | $637K | 2.7% | |
| FH CAP PRESRVN R6P FEDERATED INVESTORS TRUST COMPANY · EIN 22-2712853 / PN 001 | Common Collective Trust | — | — | $637K | 2.7% | |
| Vanguard Target Retirement 2060 a | — | — | — | $589K | 2.5% | |
| Fidelity 500 Index Fund a | — | — | — | $545K | 2.3% | |
| Fidelity U.S. Bond Index Fund a | — | — | — | $544K | 2.3% | |
| Vanguard Target Retirement 2020 a | — | — | — | $452K | 1.9% | |
| MFS Mid Cap Value R6 a | — | — | — | $311K | 1.3% | |
| Vanguard Target Retirement 2065 a | — | — | — | $285K | 1.2% | |
| Vanguard Target Retirement, Inc. a | — | — | — | $103K | 0.4% | |
| Virtus KAR Small-Cap Growth Fund a | — | — | — | $59K | 0.3% | |
| DFA US Target Value I a | — | — | — | $58K | 0.3% | |
| Fidelity Mid-Cap Value Index Fund Admiral a | — | — | — | $42K | 0.2% | |
| Vanguard Target Retirement 2070 a | — | — | — | $30K | 0.1% |
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