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Original filing (PDF)20251006072640NAL0001704627001
INONTIME, LLC
Form 5500
FILING_RECEIVED
INONTIME RETIREMENT FUND
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
437
Accounts w/ balance
505
Plan assets (EOY)
$15.2M
Net assets (EOY)
$15.2M
How this plan invests
This plan
2 pooled trusts
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
100
Knocking points off
- 39 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INONTIME, LLC.
Plan sponsor
Name
INONTIME, LLC
EIN
83-2950524
Address
7900 LOGISTIC DR. · ZEELAND, MI · 49464
Phone
(616) 748-7519
Industry
Transportation & Warehousingsee 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
2025-10-06
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HUNGERFORD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WINTRUST PRIVATE TRUST COMPANY | 36-4221549 | — | TRUSTEE/RK/ ADVISOR | $58K | — |
Investments
32 direct securities · 2 pooled funds· $15.2M(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
$14.8M
32 holdings
Common Collective Trust
$359K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2035 Fund | — | — | — | $3.4M | 22.2% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $2.8M | 18.1% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $2.7M | 17.7% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $2.6M | 17.3% | |
| Vanguard Growth Index Admiral | — | — | — | $708K | 4.7% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $648K | 4.3% | |
| Vanguard Target Retirement Income Fund | — | — | — | $597K | 3.9% | |
| STABLE VAL FD METLIFE SERIES 25053 RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $359K | 2.4% | |
| Vanguard Value Index Admiral | — | — | — | $252K | 1.7% | |
| Vanguard International Growth Admiral | — | — | — | $195K | 1.3% | |
| Vanguard Mid Cap Growth Index Admiral | — | — | — | $180K | 1.2% | |
| Vanguard 500 Index Admiral | — | — | — | $143K | 0.9% | |
| Vanguard Small Cap Growth Index Admiral | — | — | — | $134K | 0.9% | |
| Vanguard Interm-Term Bond Index Admiral | — | — | — | $69K | 0.5% | |
| Vanguard Mid Cap Value Index Admiral | — | — | — | $64K | 0.4% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $59K | 0.4% | |
| Vanguard Short Term Inv Grade Admiral | — | — | — | $48K | 0.3% | |
| American Funds American Funds Balanced R6 | — | — | — | $42K | 0.3% | |
| Vanguard Total Stock Market Index Admiral | — | — | — | $39K | 0.3% | |
| Vanguard Long Term Investment Grade Admiral | — | — | — | $35K | 0.2% | |
| Vanguard Developed Markets Index | — | — | — | $30K | 0.2% | |
| Similar Party Collateral, Par or Maturity Value Cost** Value Vanguard Small Cap Index Admiral | — | — | — | $28K | 0.2% | |
| Similar Party Collateral, Par or Maturity Value Cost** Value Vanguard Target Retirement 2040 Fund | — | — | — | $22K | 0.1% | |
| Vanguard Target Retirement 2030 Fund | — | — | — | $21K | 0.1% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $21K | 0.1% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $17K | 0.1% | |
| Vanguard Target Retirement 2070 Fund | — | — | — | $16K | 0.1% | |
| Vanguard Emerging Market Stock Index Admiral | — | — | — | $9K | <0.1% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $7K | <0.1% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $4K | <0.1% | |
| Vanguard Federal MM Fund Inves Shares | — | — | — | $2K | <0.1% | |
| Vanguad International Value Fund | — | — | — | $2K | <0.1% | |
| Vanguard REIT Index Admiral | — | — | — | $2K | <0.1% | |
| RTC STABLE VALUE FUND COL INVEST TS RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 002 | Common Collective Trust | — | — | $0 | <0.1% |
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