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Original filing (PDF)20250822134706NAL0005340001001
THE BMS ENTERPRISES, LLC
Form 5500
FILING_RECEIVED
THE BMS ENTERPRISES 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,030
Accounts w/ balance
318
Plan assets (EOY)
$22.1M
Net assets (EOY)
$21.7M
How this plan invests
This plan
1 pooled trust
Schedule D
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
- 39 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 31% 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 THE BMS ENTERPRISES, LLC.
Plan sponsor
Name
THE BMS ENTERPRISES, LLC
EIN
75-1463179
Address
5718 AIRPORT FREEWAY · HALTOM CITY, TX · 76117
Phone
(877) 899-0676
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
2025-08-22
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERUS FINANCIAL, N.A. | 45-6062081 | — | NONE | $64K | — |
| ALERUS INVESTMENT ADVISORS, INC. | 42-1378382 | — | NONE | $22K | — |
Investments
27 direct securities · 1 pooled fund· $21.7M(98% 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
$20.5M
27 holdings
Common Collective Trust
$1.2M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments 500 Index Fund | — | — | — | $3.9M | 17.5% | |
| Vanguard Fiduciary Trust Company Target Retirement 2040 | — | — | — | $2.5M | 11.4% | |
| Fidelity Investments Contra Fund | — | — | — | $2.4M | 10.8% | |
| Vanguard Fiduciary Trust Company Target Retirement 2050 | — | — | — | $1.6M | 7.4% | |
| T. Rowe Price Mid Capt Growth Fund | — | — | — | $1.5M | 6.7% | |
| Vanguard Fiduciary Trust Company Target Retirement 2030 | — | — | — | $1.4M | 6.1% | |
| VANGUARD RETIREMENT SAVINGS TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 23-2186884 / PN 001 | Common Collective Trust | — | — | $1.2M | 5.4% | |
| Vanguard Fiduciary Trust Company Small Cap Index Admiral Fund | — | — | — | $1.0M | 4.7% | |
| Vanguard Fiduciary Trust Company Index Trust Mid-Cap Index Fund Admiral SHS | — | — | — | $663K | 3.0% | |
| Vanguard Fiduciary Trust Company Wellington Admiral Shares Fund | — | — | — | $643K | 2.9% | |
| Vanguard Fiduciary Trust Company Target Retirement 2045 | — | — | — | $585K | 2.7% | |
| Participants Notes Receivable from Participants Rates from 4.25% to 9.50% - | — | — | — | $582K | 2.6% | |
| Fidelity Investments Fidelity Total Bond Fund | — | — | — | $507K | 2.3% | |
| AFS Europacific Growth | — | — | — | $420K | 1.9% | |
| Vanguard Fiduciary Trust Company Small Cap Value Index Admiral | — | — | — | $411K | 1.9% | |
| Vanguard Fiduciary Trust Company Target Retirement 2035 | — | — | — | $381K | 1.7% | |
| Vanguard Fiduciary Trust Company Target Retirement 2055 | — | — | — | $294K | 1.3% | |
| Vanguard Fiduciary Trust Company Target Retirement 2025 | — | — | — | $287K | 1.3% | |
| Vanguard Fiduciary Trust Company Target Retirement 2020 | — | — | — | $286K | 1.3% | |
| MFS Mid Cap Value FD CL | — | — | — | $229K | 1.0% | |
| Vanguard Fiduciary Trust Company Emerging Markets Stock Index Admiral | — | — | — | $166K | 0.8% | |
| Vanguard Fiduciary Trust Company Target Retirement 2060 | — | — | — | $148K | 0.7% | |
| Vanguard Fiduciary Trust Company Target Retirement Income | — | — | — | $147K | 0.7% | |
| Vanguard Fiduciary Trust Company Target Retirement 2065 | — | — | — | $137K | 0.6% | |
| Vanguard Fiduciary Trust Company Equity Income Admiral | — | — | — | $135K | 0.6% | |
| Vanguard Fiduciary Trust Company Small Cap Growth Index Admiral | — | — | — | $120K | 0.5% | |
| PIMCO Real Return Institutional | — | — | — | $46K | 0.2% | |
| Vanguard Fiduciary Trust Company Total INTNL Stock Index Admiral | — | — | — | $45K | 0.2% |
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