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Original filing (PDF)20251010174447NAL0008067697001
SPANISH SPRINGS CONSTRUCTION INC
Form 5500
FILING_RECEIVED
SPANISH SPRINGS CONSTRUCTION INC DAVIS-BACON PENSION PLAN & TRUST
Defined-contribution retirement plan
Signals · 2
~92 bps in Sched C feesNo recordkeeper disclosed
Active participants
241
Accounts w/ balance
123
Plan assets (EOY)
$4.9M
Net assets (EOY)
$4.9M
How this plan invests
This plan
2 pooled trusts
Schedule D
14 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
80
Participation health
80
Knocking points off
- 92 bps in Schedule C fees — 77% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 51% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPANISH SPRINGS CONSTRUCTION INC.
Plan sponsor
Name
SPANISH SPRINGS CONSTRUCTION INC
EIN
20-1942811
Address
595 DOUBLE EAGLE COURT · SUITE 2001 · RENO, NV · 89521
Phone
(775) 425-4000
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2C · Money purchase (other than target benefit)
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
DAHLIN ACCOUNTING & CONSULTING LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| M GROUP INVESTMENT ADVISORY | — | WINTER GARDEN, FL | SERVICE PROVIDER | $24K | — |
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | SERVICE PROVIDER | $12K | — |
| DAVIS BACON PENSION PLANS INC | 26-3465772 | SNOHOMISH, WA | SERVICE PROVIDER | $9K | — |
| EMPOWER ADVISORY GROUP | — | GREENWOOD VILLAGE, CO | SERVICE PROVIDER | $59 | — |
Investments
13 direct securities · 2 pooled funds· $4.9M(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
$4.9M
13 holdings
Common Collective Trust
$3K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Blackrock Lifefpath Index 2030 K NA | — | — | — | $1.2M | 24.9% | |
| Blackrock Lifefpath Index 2040 K NA | — | — | — | $834K | 16.9% | |
| Blackrock Lifefpath Index 2050 K NA | — | — | — | $735K | 14.9% | |
| Blackrock Lifefpath Index 2045 K NA | — | — | — | $621K | 12.6% | |
| Blackrock Lifefpath Index 2055 K NA | — | — | — | $529K | 10.7% | |
| Blackrock Lifefpath Index Retirement K NA | — | — | — | $413K | 8.4% | |
| Blackrock Lifefpath Index 2060 K NA | — | — | — | $382K | 7.7% | |
| Blackrock Lifefpath Index 2035 K NA | — | — | — | $176K | 3.6% | |
| Fixed Annuity Key Guaranteed Portfolio Fund NA | — | — | — | $3K | <0.1% | |
| Particpant Directed Mutual Funds American Funds American Funds American Hi Inc TR R6 NA 447 American Funds American Funds Bond Fund of Amer R6 NA | — | — | — | $3K | <0.1% | |
| Dimensional Funds DFA Emerging Markets I NA 146 Fidelity Global Ex US Index NA | — | — | — | $2K | <0.1% | |
| STATE STREET RUSSLELL ALL CP IDX STATE STREET GLOBAL ADVISORS COLLECTIVE TRUSTS · EIN 90-0337987 / PN 233 | Common Collective Trust | — | — | $2K | <0.1% | |
| American Funds American Funds Retire Inc PORT-CNSRV R6 NA | — | — | — | $2K | <0.1% | |
| Fidelity Mid Cap Index NA | — | — | — | $1K | <0.1% | |
| STATE STREET NASDAQ-100 INDEX STATE STREET GLOBAL ADVISORS COLLECTIVE TRUSTS · EIN 90-0337987 / PN 181 | Common Collective Trust | — | — | $435 | <0.1% |