Original filing (PDF)20250811144127NAL0007306849001

WRBM, LLC DBA Western River BOAT Management, Inc.

Name: WRBM, LLC DBA Western River BOAT Management, Inc. — Form 5500 Plan 001 (2024)
Creator: WRBM, LLC DBA Western River BOAT Management, Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Western Rivers BOAT Management, Inc. Retirement Savings Plan

401(k) retirement plan · WRBM, LLC DBA Western River BOAT Management, Inc.'s Western Rivers BOAT Management, Inc. Retirement Savings Plan held $13.8M in plan assets for 284 participants in 2024, with Empower as recordkeeper.

Active participants

284

Accounts w/ balance

161

Plan assets (EOY)

$13.8M

Net assets (EOY)

$13.8M

How this plan invests

This plan

31 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Total administrative cost in the bottom quartile of peers (20th percentile).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (7th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for WRBM, LLC DBA WESTERN RIVER BOAT MANAGEMENT, INC..

Plan sponsor

Name

WRBM, LLC DBA WESTERN RIVER BOAT MANAGEMENT, INC.

EIN

82-2517871all filings

Address

2308 S 4TH STREET · PADUCAH, KY · 42003

Phone

(270) 444-4772

Industry

Transportation & Warehousing

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

2025-08-11

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

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$35K	—
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$10K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIRST HORIZON ADVISORS INC

Investments

31 direct securities· $13.8M(100% of reported assets)

Mutual Funds

$12.1M

25 holdings

Common Collective Trusts

$777K

2 holdings

Participant loans

$541K

1 holding

Other securities

$388K

3 holdings

					% of plan
Vanguard Target Retirement 2030 Inv	Mutual Funds	—	$1.9M	$2.0M	14.1%
Vanguard Target Retirement 2040 Inv	Mutual Funds	—	$1.6M	$1.8M	13.0%
Vanguard Target Retirement 2050 Inv	Mutual Funds	—	$1.2M	$1.4M	10.2%
Vanguard Target Retirement 2045 Inv	Mutual Funds	—	$1.0M	$1.2M	8.6%
Vanguard Target Retirement 2025 Inv	Mutual Funds	—	$716K	$695K	5.0%
Vanguard Developed Markets Index Admiral	Mutual Funds	—	$705K	$670K	4.8%
Vanguard 500 Index Admiral	Common Collective Trusts	—	$469K	$632K	4.6%
Vanguard Target Retirement 2035 Inv	Mutual Funds	—	$547K	$605K	4.4%
Participant loans	Participant loans	—	—	$541K	3.9%
Vanguard Federal Money Market Inv	Mutual Funds	—	$494K	$494K	3.6%
Vanguard Small Cap Index Adm	Mutual Funds	—	$349K	$448K	3.2%
Vanguard Target Retirement Income Inv	Mutual Funds	—	$391K	$370K	2.7%
Vanguard Target Retirement 2060 Inv	Mutual Funds	—	$338K	$356K	2.6%
Vanguard Target Retirement 2055 Inv	Mutual Funds	—	$309K	$346K	2.5%
Vanguard Total Bond Market Index Admiral	Mutual Funds	—	$352K	$335K	2.4%
MFS Massachusetts Investors GR STK R6	Mutual Funds	—	$323K	$314K	2.3%
Baird Aggregate Bond Inst	Other securities	—	$273K	$265K	1.9%
Vanguard Growth Index Adm	Mutual Funds	—	$229K	$252K	1.8%
Dodge & Cox Stock - I	Mutual Funds	—	$189K	$238K	1.7%
Vanguard Mid Cap Index Fund - Admiral	Common Collective Trusts	—	$126K	$145K	1.0%
MFS Mid Cap Growth R6	Mutual Funds	—	$97K	$141K	1.0%
Vanguard Explorer Adm	Mutual Funds	—	$116K	$123K	0.9%
Thornburg Strategic Income R6	Other securities	—	$121K	$120K	0.9%
Vanguard Value Index Adm	Mutual Funds	—	$114K	$116K	0.8%
Vanguard Equity - Income Adm	Mutual Funds	—	$113K	$110K	0.8%
DFA US Targeted Value I	Mutual Funds	—	$60K	$73K	0.5%
Vanguard Target Retirement 2020 Inv	Mutual Funds	—	$47K	$39K	0.3%
MFS Mid Cap Value R6	Mutual Funds	—	$33K	$37K	0.3%
Forfeitures	Other securities	—	$2K	$3K	<0.1%
Vanguard Target Retirement 2065 Inv	Mutual Funds	—	$50	$48	<0.1%
American Funds American Balanced R6	Mutual Funds	—	$1	$1	<0.1%