Original filing (PDF)20250828160706NAL0020802946001

KEAR CIVIL CORPORATION

Name: KEAR CIVIL CORPORATION — KEAR CIVIL CORPORATION & SPECTRA 401(K) PLAN, Form 5500 (2024)
Creator: KEAR CIVIL CORPORATION

Form 5500

FILING_RECEIVED

KEAR CIVIL CORPORATION & SPECTRA 401(K) PLAN

401(k) retirement plan

Signals · 3

33% in single holdingCorrective distributions issuedNo recordkeeper disclosed

Active participants

129

Accounts w/ balance

108

Plan assets (EOY)

$3.4M

Net assets (EOY)

$3.4M

How this plan invests

This plan

33 pooled trusts

Schedule D

25 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).
Total administrative cost in the bottom quartile of peers (10th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for KEAR CIVIL CORPORATION.

Plan sponsor

Name

KEAR CIVIL CORPORATION

EIN

20-8257122

Address

22555 N 20TH AVE · PHOENIX, AZ · 85027

Phone

(480) 446-7200

Industry

All Other Professional Services· Professional & Technical Servicessee 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

2025-08-28

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

3H · Sponsor in controlled / affiliated group

Service providers (Schedule C)

4 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
NOVA 401(K) ASSOCIATES	—	HOUSTON, TX	THIRD PARTY ADMINISTRATOR	$0	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
METZ ASSOCIATES PLLC	46-4558541	—	SERVICE PROVIDER	$13K	—

Investments

25 direct securities · 33 pooled funds· $6.7M(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.

Pooled Separate Account

$3.4M

33 holdings

Other securities

$3.3M

23 holdings

Cash / Money Market

$36K

1 holding

Bonds / Notes

$8K

1 holding

					% of plan
SEPARATE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000	Pooled Separate Account	—	—	$3.4M	99.8%
MFS International Growth Fund Pooled Separate Account 870 * Fidelity Mid Cap Index Fund Pooled Separate Account 560 * MyCompass Index Moderate 2045 Fund Pooled Separate Account	Other securities	—	—	$1.1M	33.2%
MyCompass Index Moderate 2035 Fund Pooled Separate Account	Other securities	—	—	$1.0M	30.5%
MyCompass Index Moderate Retirement Fund Pooled Separate Account	Other securities	—	—	$545K	16.2%
MyCompass Index Moderate 2055 Fund Pooled Separate Account	Other securities	—	—	$218K	6.5%
MyCompass Index Aggressive 2035 Fund Pooled Separate Account	Other securities	—	—	$186K	5.5%
MyCompass Index Moderate 2065 Fund Pooled Separate Account	Other securities	—	—	$86K	2.5%
Fidelity 500 Index Fund Pooled Separate Account	Other securities	—	—	$36K	1.1%
Voya Government Money Market Fund Pooled Separate Account	Cash / Money Market	—	—	$36K	1.1%
JPMorgan Large Cap Growth Fund Pooled Separate Account	Other securities	—	—	$31K	0.9%
JPMorgan Large Cap Value Fund Pooled Separate Account	Other securities	—	—	$16K	0.5%
MFS Mid Cap Growth Fund Pooled Separate Account	Other securities	—	—	$14K	0.4%
MyCompass Index Aggressive 2055 Fund Pooled Separate Account	Other securities	—	—	$9K	0.3%
Participant loans Interest rates from 7.50% to 10.50%	Bonds / Notes	—	—	$8K	0.2%
iShares MSCI EAFE International Index Fund Pooled Separate Account	Other securities	—	—	$6K	0.2%
PIMCO Income Fund Pooled Separate Account	Other securities	—	—	$5K	0.1%
DFA Inflation-Protected Securities Portfolio Pooled Separate Account	Other securities	—	—	$5K	0.1%
American Funds American Balanced Fund Pooled Separate Account	Other securities	—	—	$4K	0.1%
American Funds New World Fund Pooled Separate Account	Other securities	—	—	$4K	0.1%
American Funds New Perspective Fund Pooled Separate Account	Other securities	—	—	$3K	<0.1%
MFS Mid Cap Value Fund Pooled Separate Account	Other securities	—	—	$3K	<0.1%
Fidelity Small Cap Index Fund Pooled Separate Account	Other securities	—	—	$2K	<0.1%
MyCompass Index Aggressive 2065 Fund Pooled Separate Account	Other securities	—	—	$2K	<0.1%
MyCompass Index Aggressive 2045 Fund Pooled Separate Account	Other securities	—	—	$2K	<0.1%
DFA Real Estate Securities Portfolio Institutional Class Fund Pooled Separate Account	Other securities	—	—	$2K	<0.1%
MYCompass Index Conservative 2065 Fund Pooled Separate Account	Other securities	—	—	$1K	<0.1%
TRANSAMERICARETONTRK 2060 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 821	Pooled Separate Account	—	—	$0	<0.1%
BLCKRCK MID-CAP GROWTH EQTY RET OPT TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 099	Pooled Separate Account	—	—	$0	<0.1%
STATE ST U.S. BD INDEX RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 037	Pooled Separate Account	—	—	$0	<0.1%
STATE ST RUS LG CAP VAL INDX RETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 120	Pooled Separate Account	—	—	$0	<0.1%
STATE ST RUSS SM CAP GR INDX RETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 121	Pooled Separate Account	—	—	$0	<0.1%
STATE ST RUSS LG CAP GR INDX RETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 122	Pooled Separate Account	—	—	$0	<0.1%
AMERICAN FUNDS NEW WORLD RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 628	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2015 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 688	Pooled Separate Account	—	—	$0	<0.1%
STATE ST S&P MID CAP INDEX RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 036	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2030 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 691	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2035 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 692	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2040 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 693	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2045 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 694	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2050 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 695	Pooled Separate Account	—	—	$0	<0.1%
TRANSAMERICARETONTRK 2055 W AMERFDS TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 696	Pooled Separate Account	—	—	$0	<0.1%
STATE ST INTERNATNL INDEX RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 035	Pooled Separate Account	—	—	$0	<0.1%
TA VANGRD TTL STCK MRKT INDX RETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 114	Pooled Separate Account	—	—	$0	<0.1%
T. ROWE PRICE INTL DISCVRY RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 930	Pooled Separate Account	—	—	$0	<0.1%
NEUBERGER BERMAN RL ESTATE RET OPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 935	Pooled Separate Account	—	—	$0	<0.1%
ALLSPRING SPECIAL SM CAP VAL RETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 945	Pooled Separate Account	—	—	$0	<0.1%
STATE ST PRTN SRS W TA CONSERRETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 503	Pooled Separate Account	—	—	$0	<0.1%
STATE ST PRTN SRS W TA MOD GRRETOPT TRANSAMERICA LIFE INS CO · EIN 39-0989781 / PN 504	Pooled Separate Account	—	—	$0	<0.1%
COLUMBIA DIVIDEND INCOME RET OPT TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 028	Pooled Separate Account	—	—	$0	<0.1%
FDRTD HERMES INSTL HGH YLD BDRETOPT TRANSAMERICA LIFE INS CO · EIN 82-5217478 / PN 032	Pooled Separate Account	—	—	$0	<0.1%