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Original filing (PDF)20250826070829NAL0008271553001
BONACIO CONSTRUCTION CO. INC.
Form 5500
FILING_RECEIVED
BONACIO CONSTRUCTION 401(K) PLAN
401(k) retirement plan
Active participants
185
Accounts w/ balance
229
Plan assets (EOY)
$11.9M
Net assets (EOY)
$11.9M
How this plan invests
This plan
1 pooled trust
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 61 bps in Schedule C fees — 109% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BONACIO CONSTRUCTION CO. INC..
Plan sponsor
Name
BONACIO CONSTRUCTION CO. INC.
EIN
14-1735519
Address
18 DIVISION ST. SUITE 401 · SARATOGA SPRINGS, NY · 12866
Phone
(518) 584-9007
Industry
Constructionsee 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
2025-08-26
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CMJ, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $37K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | 26-4310632 | — | ADVISOR | $35K | — |
Investments
28 direct securities · 1 pooled fund· $11.9M(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
$11.9M
28 holdings
Common Collective Trust
$21K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2035 Trgt Dt Ret R6 | — | — | — | $2.6M | 21.6% | |
| American Funds American Funds 2030 Trgt Dt Ret R6 | — | — | — | $1.4M | 12.2% | |
| American Funds American Funds 2040 Trgt Dt Ret R6 | — | — | — | $1.3M | 11.2% | |
| American Funds American Funds 2045 Trgt Dt Ret R6 | — | — | — | $975K | 8.2% | |
| American Funds American Funds 2025 Trgt Dt Ret R6 | — | — | — | $787K | 6.6% | |
| American Funds American Funds 2055 Trgt Dt Ret R6 | — | — | — | $774K | 6.5% | |
| American Funds American Funds 2050 Trgt Dt Ret R6 | — | — | — | $689K | 5.8% | |
| JPMorgan Lg Cap Gr R6 | — | — | — | $483K | 4.1% | |
| American Funds American Funds 2060 Trgt Dt Ret R6 | — | — | — | $462K | 3.9% | |
| Participants Notes Receivable with interest rates of 3.25% to 8.50% | — | — | — | $348K | 2.9% | |
| Invesco Glbl Y | — | — | — | $345K | 2.9% | |
| Fidelity Mid Cap Index | — | — | — | $257K | 2.2% | |
| Fidelity 500 Index | — | — | — | $236K | 2.0% | |
| American Funds American Funds 2020 Trgt Dt Ret R6 | — | — | — | $213K | 1.8% | |
| American Funds American Funds 2065 Trgt Dt Ret R6 | — | — | — | $202K | 1.7% | |
| JPMorgan Eq Inc R6 | — | — | — | $130K | 1.1% | |
| Lord Abbett Lord Abbett Short Duration Inc R4 | — | — | — | $102K | 0.9% | |
| John Hancock JHancock Bd R6 | — | — | — | $90K | 0.8% | |
| Fidelity Small Cap Index | — | — | — | $82K | 0.7% | |
| Hartford Strategic Inc R6 | — | — | — | $63K | 0.5% | |
| JPMorgan Mid Cap Gr R6 | — | — | — | $60K | 0.5% | |
| Allspring Spec Mid Cap Val A | — | — | — | $56K | 0.5% | |
| Prudential PGIM Glbl Real Estate R6 | — | — | — | $53K | 0.5% | |
| Vanguard Interm-Term Treasury Adm | — | — | — | $46K | 0.4% | |
| Fidelity Intl Index | — | — | — | $28K | 0.2% | |
| American Funds American Funds 2070 Trgt Date Retire R6 119 Blackrock Glbl Alloc I | — | — | — | $21K | 0.2% | |
| RELIANCE/METLIFE STABLE 25053 CL 0 METLIFE · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $21K | 0.2% | |
| Transamerica Trust Company Cash Reserve Account | — | — | — | $10K | <0.1% | |
| American Funds American Funds 2010 Trgt Dt Ret R6 | — | — | — | $4K | <0.1% |
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