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Original filing (PDF)20250729155806NAL0003065217001
LOVE'S TRAVEL STOPS & COUNTRY STORES, INC.
Form 5500
FILING_RECEIVED
LOVE'S AND AFFILIATED COMPANIES 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
30,204
Accounts w/ balance
8,910
Plan assets (EOY)
$431.1M
Net assets (EOY)
$431.1M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Vendor stack
80
Participation health
65
Knocking points off
- 15 bps in Schedule C fees — modestly above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Only 29% 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 LOVE'S TRAVEL STOPS & COUNTRY STORES, INC..
Plan sponsor
Name
LOVE'S TRAVEL STOPS & COUNTRY STORES, INC.
EIN
73-1220756
Address
10601 N PENNSYLVANIA · OKLAHOMA CITY, OK · 73120
Phone
(405) 751-9000
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
2025-07-29
Pension benefit codes
2E · Profit-sharing
3H · Sponsor in controlled / affiliated group
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
2X · Other multiple-employer DC plan
Audit & trust (Schedule H)
Auditor
KPMG LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MILLIMAN INC. | 91-0675641 | — | NONE | $627K | — |
Investments
28 direct securities· $431.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JPMorgan Large Cap Growth 872,239 shares | — | — | $872K | $73.0M | 16.9% | |
| Vanguard Institutional Index 138,983 shares | — | — | $139K | $66.6M | 15.4% | |
| American 2035 Target Retirement 1,719,872 shares | — | — | $1.7M | $32.7M | 7.6% | |
| Vanguard Treasury Money Market Fund 32,669,682 shares | — | — | $32.7M | $32.7M | 7.6% | |
| American 2030 Target Retirement 1,731,105 shares | — | — | $1.7M | $29.9M | 6.9% | |
| American 2045 Target Retirement 1,388,703 shares | — | — | $1.4M | $29.4M | 6.8% | |
| American 2040 Target Retirement 1,340,906 shares | — | — | $1.3M | $27.6M | 6.4% | |
| American 2050 Target Retirement 988,092 shares | — | — | $988K | $20.7M | 4.8% | |
| American 2025 Target Retirement 1,129,548 shares | — | — | $1.1M | $17.2M | 4.0% | |
| American 2055 Target Retirement 565,058 shares | — | — | $565K | $14.9M | 3.5% | |
| Vanguard Mid Cap Index 192,684 shares | — | — | $193K | $13.9M | 3.2% | |
| Vanguard Explorer Fund 127,324 shares | — | — | $127K | $13.6M | 3.2% | |
| EuroPacific Growth 198,723 shares | — | — | $199K | $10.7M | 2.5% | |
| Vanguard Total Bond Index 965,393 shares | — | — | $965K | $9.2M | 2.1% | |
| American 2060 Target Retirement 468,901 shares | — | — | $469K | $8.4M | 2.0% | |
| Vanguard Small Cap Index 46,985 shares | — | — | $47K | $5.4M | 1.3% | |
| American 2020 Target Retirement 348,639 shares | — | — | $349K | $4.7M | 1.1% | |
| Vanguard Emerging Markets 114,926 shares | — | — | $115K | $4.2M | 1.0% | |
| Columbia Dividend Income Fund 115,976 shares | — | — | $116K | $3.9M | 0.9% | |
| Vanguard Developed Markets Index 227,903 shares | — | — | $228K | $3.5M | 0.8% | |
| American 2065 Target Retirement 160,347 shares | — | — | $160K | $2.8M | 0.7% | |
| 9.75%, with various maturities | — | — | — | $2.1M | 0.5% | |
| American 2010 Target Retirement 90,467 shares $ | — | — | $90K | $1.1M | 0.2% | |
| American 2015 Target Retirement 79,421 shares | — | — | $79K | $973K | 0.2% | |
| BlackRock Total Return Fund 62,701 shares | — | — | $63K | $610K | 0.1% | |
| MFS Mid Cap Value 18,639 shares | — | — | $19K | $593K | 0.1% | |
| MFS Mid Cap Growth 14,429 shares | — | — | $14K | $453K | 0.1% | |
| American Beacon Small Cap Value 8,778 shares | — | — | $9K | $216K | <0.1% |