Back to filter
Original filing (PDF)20260313110107NAL0007599329001
DIRECTIONAL SERVICES, INC.
Form 5500
FILING_RECEIVED
CINTERRA 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 3.9 mo43% in single holding
Active participants
603
Accounts w/ balance
603
Plan assets (EOY)
$10.0M
Net assets (EOY)
$9.9M
How this plan invests
This plan
40 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
84
Concentration risk
79
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Filed 3.9 months past the 10.5-month grace window.
- Top holding "Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2040 Fund" is 43% of plan.
- 73 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for DIRECTIONAL SERVICES, INC..
Plan sponsor
Name
DIRECTIONAL SERVICES, INC.
EIN
20-3794220
Address
PO BOX 385 · HOPE MILLS, NC · 28348
Phone
(910) 635-7981
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
2026-03-13
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2A · Age/service weighted or new comparability
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
KIMBERLIN COMPANY, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $44K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPITAL INVESTMENT GROUP INC | 56-1394939 | — | FINANCIAL ADVISOR | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RETIREMENT PLAN SOLUTIONS, INC. | 56-1762637 | — | TPA | $29K | — |
Investments
40 direct securities· $9.6M(96% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2040 Fund | — | — | — | $4.1M | 41.0% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2060 Fund | — | — | — | $709K | 7.1% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2055 Fund | — | — | — | $651K | 6.5% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2045 Fund | — | — | — | $615K | 6.2% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2035 Fund | — | — | — | $586K | 5.9% | |
| Empower Trust Company, LLC Vanguard Growth Index Fund | — | — | — | $450K | 4.5% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2050 Fund | — | — | — | $420K | 4.2% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2025 Fund | — | — | — | $328K | 3.3% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2030 Fund | — | — | — | $273K | 2.7% | |
| Notes Receivable from Participants Maturing at various times through 2029 -0- | — | — | — | $228K | 2.3% | |
| Empower Trust Company, LLC Vanguard 500 Index Fund | — | — | — | $224K | 2.2% | |
| Empower Annuity Insurance Co. of America MassMutual Guaranteed Interest Account | — | — | — | $173K | 1.7% | |
| Empower Trust Company, LLC iShares MSCI EAFE International Index Fund | — | — | — | $140K | 1.4% | |
| Empower Trust Company, LLC Vanguard Total Bond Market Index Fund | — | — | — | $70K | 0.7% | |
| Empower Trust Company, LLC Vanguard Small Cap Index Fund | — | — | — | $58K | 0.6% | |
| Empower Trust Company, LLC BlackRock Total Return Fund | — | — | — | $56K | 0.6% | |
| Empower Trust Company, LLC JPMorgan Large Cap Growth Fund | — | — | — | $53K | 0.5% | |
| Empower Trust Company, LLC JPMorgan Emerging Markets Equity Fund | — | — | — | $52K | 0.5% | |
| Empower Trust Company, LLC Vanguard LifeStrategy Growth Fund | — | — | — | $48K | 0.5% | |
| Empower Trust Company, LLC Vanguard Value Index Fund | — | — | — | $43K | 0.4% | |
| Empower Trust Company, LLC MFS International Growth Fund | — | — | — | $40K | 0.4% | |
| Empower Trust Company, LLC Vanguard LifeStrategy Moderate Growth Fund | — | — | — | $40K | 0.4% | |
| Empower Trust Company, LLC Vanguard LifeStrategy Income Fund | — | — | — | $29K | 0.3% | |
| Empower Trust Company, LLC MassMutual Mid Cap Growth Fund | — | — | — | $27K | 0.3% | |
| Empower Trust Company, LLC Vanguard Mid Cap Index Fund | — | — | — | $25K | 0.3% | |
| Empower Trust Company, LLC MFS Value Fund | — | — | — | $23K | 0.2% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement Balanced Fund | — | — | — | $22K | 0.2% | |
| Empower Trust Company, LLC Morgan Stanley Institutional Global Opportunity Fund | — | — | — | $20K | 0.2% | |
| Empower Trust Company, LLC Vanguard Small Cap Growth Index Fund | — | — | — | $15K | 0.1% | |
| Empower Trust Company, LLC Cohen & Steers Real Estate Securities Fund | — | — | — | $14K | 0.1% | |
| Empower Trust Company, LLC Vanguard Small Cap Value Index Fund | — | — | — | $12K | 0.1% | |
| Empower Trust Company, LLC PIMCO Income Fund | — | — | — | $12K | 0.1% | |
| Empower Trust Company, LLC Vanguard Mid Cap Value Index Fund | — | — | — | $7K | <0.1% | |
| Empower Trust Company, LLC Vanguard Mid Cap Growth Index Fund | — | — | — | $7K | <0.1% | |
| Empower Trust Company, LLC PIMCO International Bond Fund (U.S. Dollar-Hedged) | — | — | — | $4K | <0.1% | |
| Empower Trust Company, LLC MFS Mid Cap Value Fund | — | — | — | $4K | <0.1% | |
| Empower Trust Company, LLC MassMutual Select T. Rowe Price Retirement 2020 Fund | — | — | — | $4K | <0.1% | |
| Empower Trust Company, LLC Vanguard LifeStrategy Conservative Growth Fund | — | — | — | $3K | <0.1% | |
| Empower Trust Company, LLC Goldman Sachs Small Cap Value Insights Fund | — | — | — | $2K | <0.1% | |
| Empower Trust Company, LLC JPMorgan Small Cap Growth Fund | — | — | — | $2K | <0.1% |