Saddle Creek Corporation 401(k) Plan: Login, Facts & Contact Information

Saddle Creek Corporation 401(k) Plan Facts

Plan name
SADDLE CREEK CORPORATION RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
SADDLE CREEK CORPORATION DBA SADDLE CREEK LOGISTICS
Participants
6,140 (4,568 active employees)
Former employees with a balance
1,250
Plan assets
$155,538,356 at Dec 31, 2024
Average account balance
$26,817 across 5,800 accounts
Employer contributions
$6,588,361 in plan year 2024 (29% of all contributions)
Recordkeeper
Empower Annuity Insurance Company O
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
May 29, 1981
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Sep 3, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $22.5 million went into the plan in contributions, $6.59 million of it from the employer (29%).
  • $17.1 million was paid out to participants.
  • Investment and other income added $17.6 million.
  • Administrative expenses were $548,004, about $94 per account.

How the Saddle Creek Corporation 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20193,331$74.6 million$2.59 million$7.37 million
20204,607$91.5 million$3.82 million$9.43 million
20214,623$111.6 million$4.36 million$8.37 million
20225,252$100.9 million$4.78 million$9.98 million
20236,130$133.3 million$13.0 million$13.2 million
20246,140$155.5 million$6.59 million$17.1 million

Saddle Creek Corporation 401(k) Contact Information

Phone
863-665-0966
Mailing address
3010 SADDLE CREEK ROAD, LAKELAND FL 33801
Plan sponsor
SADDLE CREEK CORPORATION DBA SADDLE CREEK LOGISTICS
Employer identification number (EIN)
59-1166474
Plan number
001

Questions about the Saddle Creek Corporation 401(k)

Does Saddle Creek Corporation contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $6.59 million, 29% of all contributions.

Does the Saddle Creek Corporation 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Saddle Creek Corporation 401(k) plan?

6,140 participants at the start of plan year 2024, 4,568 of them active employees, and 1,250 former employees who still had money in the plan.

What is the average 401(k) balance at Saddle Creek Corporation?

About $26,817 per account: $155.5 million in plan assets across 5,800 accounts with a balance at the end of plan year 2024.

Who manages the Saddle Creek Corporation 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY O) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Saddle Creek Corporation. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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