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Original filing (PDF)20250917111828NAL0000541042001
CUSHING TERRELL
Form 5500
FILING_RECEIVED
CUSHING TERRELL 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
497
Accounts w/ balance
609
Plan assets (EOY)
$91.6M
Net assets (EOY)
$91.6M
How this plan invests
This plan
4 pooled trusts
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
100
Knocking points off
- 22 bps in Schedule C fees — modestly above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CUSHING TERRELL.
Plan sponsor
Name
CUSHING TERRELL
EIN
81-0305543
Address
POB 1439 13 NORTH 23RD STREET · BILLINGS, MT · 59103
Phone
(406) 248-7455
Industry
Professional & Technical Servicessee 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
2025-09-17
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KCOE ISOM, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $69K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIRST INTERSTATE WEALTH MANAGEMENT | — | BILLINGS, MT | OTHER | $130K | — |
Investments
26 direct securities · 4 pooled funds· $91.6M(100% 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
$73.0M
26 holdings
Pooled Separate Account
$18.6M
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| LARGE CAP GROWTH/JPMORGAN INVST MGT EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $15.4M | 16.8% | |
| Vanguard 500 Index Admirl Mutual funds - | — | — | — | $12.6M | 13.8% | |
| American Funds 2060 Trgt Date Retire Mutual funds - | — | — | — | $9.3M | 10.1% | |
| American Funds 2040 Trgt Date Retire Mutual funds - | — | — | — | $7.1M | 7.8% | |
| American Funds 2035 Trgt Date Retire Mutual funds - | — | — | — | $6.8M | 7.4% | |
| American Funds 2050 Trgt Date Retire Mutual funds - | — | — | — | $5.6M | 6.1% | |
| American Funds 2025 Trgt Date Retire Mutual funds - | — | — | — | $5.3M | 5.8% | |
| American Funds 2045 Trgt Date Retire Mutual funds - | — | — | — | $4.3M | 4.7% | |
| Vanguard Mid Cap Index Fund - Adm Mutual funds - | — | — | — | $3.8M | 4.2% | |
| American Funds 2055 Trgt Date Retire Mutual funds - | — | — | — | $3.5M | 3.8% | |
| LARGE CAP VALUE I (JP MORGAN) EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 129 | Pooled Separate Account | — | — | $3.3M | 3.6% | |
| Invesco Oppenheimer Int'l Growth Mutual funds - | — | — | — | $3.0M | 3.3% | |
| Dodge & Cox Income Mutual funds - | — | — | — | $2.5M | 2.7% | |
| American Funds 2030 Trgt Date Retire Mutual funds - | — | — | — | $2.2M | 2.4% | |
| Vanguard Small Cap Index Fund Adm Mutual funds - | — | — | — | $2.0M | 2.2% | |
| Federated Instl High Yield Bond Instl Mutual funds - | — | — | — | $907K | 1.0% | |
| Empower Key Guaranteed Portfolio Fund Fixed annuities - | — | — | — | $842K | 0.9% | |
| DFA Emerging Markets I Mutual funds - | — | — | — | $709K | 0.8% | |
| Dodge & Cox Global Bond Mutual funds - | — | — | — | $547K | 0.6% | |
| Participant loans Maturity dates through August 4, 2037; interest rates of 5.25% to 10.50%. - | — | — | — | $433K | 0.5% | |
| Vanguard Total Intl Stock Index Adm Mutual funds - | — | — | — | $389K | 0.4% | |
| Vanguard Total Bond Mkt Index Adm Mutual funds - | — | — | — | $366K | 0.4% | |
| American Funds 2065 Trgt Date Retire Mutual funds - | — | — | — | $229K | 0.3% | |
| Schwab FDMTL Intl Idx Mutual funds - | — | — | — | $214K | 0.2% | |
| DFA Global Real Estate Securities Mutual funds - | — | — | — | $210K | 0.2% | |
| Vanguard Inflation - Prot. Secs Adm Mutual funds - | — | — | — | $107K | 0.1% | |
| American Funds 2020 Trgt Date Retire Mutual funds - | — | — | — | $24K | <0.1% | |
| American Funds 2010 Trgt Date Retire Mutual funds - | — | — | — | $8K | <0.1% | |
| LARGE CAP GROWTH / JPMORGAN EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $0 | <0.1% | |
| LARGE CAP VALUE I (JP MORGAN) EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 129 | Pooled Separate Account | — | — | $0 | <0.1% |
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