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Original filing (PDF)20250903122049NAL0015181281001
EPIKA FLEET SERVICES, INC.
Form 5500
FILING_RECEIVED
EPIKA FLEET SERVICES 401(K) PLAN
401(k) retirement plan
Signals · 1
~90 bps in Sched C fees
Active participants
479
Accounts w/ balance
228
Plan assets (EOY)
$6.4M
Net assets (EOY)
$6.4M
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)
86
/ 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
65
Knocking points off
- 90 bps in Schedule C fees — 73% above peer band of 52 bps.
- Only 48% 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 EPIKA FLEET SERVICES, INC..
Plan sponsor
Name
EPIKA FLEET SERVICES, INC.
EIN
81-4555083
Address
15 CENTURY BLVD · SUITE 102 · NASHVILLE, TN · 37214
Phone
(615) 988-8586
Industry
Other Services (ex. Public Admin)see 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
2025-09-03
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
REDPATH AND COMPANY, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | RECORDKEEPER | $25K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SHEPHERD FINANCIAL INVESTMENT ADVIS | — | CARMEL, IN | INVESTMENT ADVISOR | $24K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SHEPHERD PLAN PARTNERS, LLC | 93-3876962 | — | CONTRACT ADMIN | $7K | — |
| FUTUREPLAN BY ASCENSUS | — | BRAINERD, MN | CONTRACT ADMIN | $1K | — |
Investments
28 direct securities· $6.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Federal Money Market Inv Money Market | — | — | — | $1.0M | 16.5% | |
| Vanguard Instl Target Retirement 2060 Mutual Fund | — | — | — | $604K | 9.5% | |
| Vanguard Instl Target Retirement 2050 Mutual Fund | — | — | — | $580K | 9.1% | |
| Vanguard Instl Target Retirement 2055 Mutual Fund | — | — | — | $545K | 8.6% | |
| JPMorgan Large Cap Growth R6 Mutual Fund | — | — | — | $525K | 8.3% | |
| Vanguard Instl Target Retirement 2040 Mutual Fund | — | — | — | $476K | 7.5% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $452K | 7.1% | |
| Vanguard Instl Target Retirement 2035 Mutual Fund | — | — | — | $328K | 5.2% | |
| Vanguard Instl Target Retirement 2045 Mutual Fund | — | — | — | $311K | 4.9% | |
| Vanguard Instl Target Retirement 2030 Mutual Fund | — | — | — | $290K | 4.6% | |
| Vanguard Instl Target Retirement 2025 Mutual Fund | — | — | — | $229K | 3.6% | |
| Vanguard Explorer Adm Mutual Fund | — | — | — | $222K | 3.5% | |
| Putnam Large Cap Value Trust I Mutual Fund | — | — | — | $172K | 2.7% | |
| Fidelity Intl Capital Appreciation K6 Mutual Fund 209 * Fidelity Total Bond K6 Mutual Fund 53 * Touchstone Mid Cap Growth Fund R6 Mutual Fund 3 * Participant loans Interest rate at 4.25-10.25% | — | — | — | $99K | 1.6% | |
| Vanguard Instl Target Retirement 2020 Mutual Fund | — | — | — | $90K | 1.4% | |
| Avantis U.S. Small Cap Value Instl Mutual Fund | — | — | — | $79K | 1.2% | |
| Fidelity Small Cap Index Mutual Fund | — | — | — | $71K | 1.1% | |
| Vanguard Instl Target Retirement 2065 Mutual Fund | — | — | — | $70K | 1.1% | |
| Fidelity Mid Cap Index Mutual Fund | — | — | — | $62K | 1.0% | |
| Vanguard Total Bond Market Index Adm Mutual Fund | — | — | — | $33K | 0.5% | |
| Vanguard Instl Target Retirement Income Mutual Fund | — | — | — | $19K | 0.3% | |
| Vanguard Total Intl Stock Index Adm Mutual Fund | — | — | — | $15K | 0.2% | |
| Vanguard Instl Target Retirement 2070 Mutual Fund | — | — | — | $11K | 0.2% | |
| Vanguard Balanced Index Adm Mutual Fund | — | — | — | $9K | 0.1% | |
| Vanguard Developed Mkts Index Adm Mutual Fund | — | — | — | $5K | <0.1% | |
| Vanguard S-T Infl-Prot Sec Idx Adm Mutual Fund | — | — | — | $5K | <0.1% | |
| Vanguard Emerging Mkts Stock Idx Adm Mutual Fund | — | — | — | $3K | <0.1% | |
| Vanguard Total Intl Bond Index Adm Mutual Fund | — | — | — | $2K | <0.1% |
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