Filings through Sep 24, 2026.

Retirement plan

St. Cloud Refrigeration Company Profit Sharing 401(k) Plan

Name: ST. CLOUD REFRIGERATION COMPANY - ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 401(K) PLAN (2024) Form 5500
Creator: ST. CLOUD REFRIGERATION COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ST. CLOUD REFRIGERATION COMPANY PROFIT SHARING 401(K) PLAN, ST. CLOUD REFRIGERATION COMPANY

St. Cloud Refrigeration CompanyEIN 41-0802798Plan #002PY 2024

604 LINCOLN AVENUE NE - ST. CLOUD, MN 56304320-251-6861LinkedIn51-200 employeesindividual & family services

Prospect flagsLow returnsHigh feesPossible retail share class: $10.1MFew collective trustsFund lineup: 22 funds, $48.8M

How to read this page

Total assets (EOY)

$49.9M

+2.1% from 2023

Total participants

311

+9.9% from 2023

Average account balance

$164,539

-5.7% from 2023

Annual return

11.04%

-3.90 pp from 2023

Benchmarks

See 3,451 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort3,451 peers

Snapshot2024

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Analytics

See the 10-year trajectory with Solo.

Service providers

Top 4 by compensation

Provider	Service type	Compensation
UBS FINANCIAL SERVICES INC7 years Service code 27 PO BOX 198928 · NASHVILLE, TN 37238	Advisory (Plan)	$90,270
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$85,260
MILLER, WELLE, HEISER & CO, LTD10+ years Service code 10 4170 THIELMAN LN SUITE 101 · ST. CLOUD, MN 56302	Accounting	$7,250
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$0

Fund lineup

CSV with Pro

22 funds of $250K or more; 18 lines in all, holding $48.8M of the plan's $49.9M. From the 2024 filing. Recordkeeper: Empower.

In collective trusts0%median 0% for plans of $5M to $50M (34,889 plans)

In index funds17%median 21% for plans of $5M to $50M (34,889 plans)

In the main target-date series20%median 35% for plans of $5M to $50M (34,889 plans)

Employer stockNo

Target-date series: American Funds Target Date, mutual fund, 20% of fund dollars

Fund	Manager	Vehicle	Dollars	% of funds%
American Funds Target Date Capital Group · Mutual fund Target-date, 10 vintages	Capital Group	Mutual fund	$9.5M	19.5%
iShares S&P 500 Index Fund (A) BlackRock · ETF Index	BlackRock	ETF	$6.3M	12.9%
Eupac Fund Class R-4 Capital Group · Mutual fund	Capital Group	Mutual fund	$5.4M	11.1%
Annuity Contract Key Guaranteed Portfolio Fund Manager not matched · Insurance contract	Not yet matched	Insurance contract	$5.4M	11.0%
Growth Fund (R4) Capital Group · Mutual fund	Capital Group	Mutual fund	$4.8M	9.9%
PIMCO Total Return Fund (Admiral) PIMCO (Allianz) · Mutual fund	PIMCO (Allianz)	Mutual fund	$2.4M	4.9%
T. Rowe Price Equity Income Adv T. Rowe Price · Mutual fund	T. Rowe Price	Mutual fund	$2.4M	4.8%
Vanguard Mid-Cap Index Fund Admiral Shares Vanguard · Mutual fund Index	Vanguard	Mutual fund	$2.1M	4.4%
Nuveen Small Cap Select Fund Class I TIAA (Nuveen) · Mutual fund	TIAA (Nuveen)	Mutual fund	$1.8M	3.6%
Neuberger Strategic Income Fund Institutional Class Neuberger Berman · Mutual fund	Neuberger Berman	Mutual fund	$1.5M	3.1%

See the other 8 lines in this lineup with Solo.

Covers 60,908 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$183K

$909 / participant

Investment mgmt$176K96.0%
Other / not subdivided$7K4.0%

% of EOY assets

0.367%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: MILLER WELLE HEISER & CO., LTD
Auditor EIN: 411334380
Audit fees: $7,250
Opinion code: Unqualified

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Provider

Service type

Compensation

UBS FINANCIAL SERVICES INC7 years

Service code 27

PO BOX 198928 · NASHVILLE, TN 37238

Advisory (Plan)

$90,270

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ADVISORY GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$85,260

MILLER, WELLE, HEISER & CO, LTD10+ years

Service code 10

4170 THIELMAN LN SUITE 101 · ST. CLOUD, MN 56302

Accounting

$7,250

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY O

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

Fund

Dollars

% of funds%

American Funds Target Date

Capital Group · Mutual fund

Target-date, 10 vintages

$9.5M

19.5%

iShares S&P 500 Index Fund (A)

BlackRock · ETF

Index

$6.3M

12.9%

Eupac Fund Class R-4

Capital Group · Mutual fund

$5.4M

11.1%

Annuity Contract Key Guaranteed Portfolio Fund

Manager not matched · Insurance contract

$5.4M

11.0%

Growth Fund (R4)

Capital Group · Mutual fund

$4.8M

9.9%

PIMCO Total Return Fund (Admiral)

PIMCO (Allianz) · Mutual fund

$2.4M

4.9%

T. Rowe Price Equity Income Adv

T. Rowe Price · Mutual fund

$2.4M

4.8%

Vanguard Mid-Cap Index Fund Admiral Shares

Vanguard · Mutual fund

Index

$2.1M

4.4%

Nuveen Small Cap Select Fund Class I

TIAA (Nuveen) · Mutual fund

$1.8M

3.6%

Neuberger Strategic Income Fund Institutional Class

Neuberger Berman · Mutual fund

$1.5M

3.1%

St. Cloud Refrigeration Company Profit Sharing 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

St. Cloud Refrigeration Company Profit Sharing 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion