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Original filing (PDF)20251008080052NAL0005540721001
LCG PENCE, LLC
Form 5500
FILING_RECEIVED
PENCE CONSTRUCTION 401(K) PLAN
401(k) retirement plan
Active participants
149
Accounts w/ balance
208
Plan assets (EOY)
$20.3M
Net assets (EOY)
$20.3M
How this plan invests
This plan
28 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
- 52 bps in Schedule C fees — 78% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LCG PENCE, LLC.
Plan sponsor
Name
LCG PENCE, LLC
EIN
22-3878410
Address
5400 MEADOWS ROAD, SUITE 400 · LAKE OSWEGO, OR · 97035
Phone
(503) 252-3802
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
2025-10-08
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2J · 401(k) feature
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KUENZI & COMPANY LLC
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 | $30K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALDRICH WEALTH LIMITED PARTNERSHIP | — | SEATTLE, WA | INVESTMENT ADVISOR | $65K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRIME RETIREMENT SOLUTIONS LLC | — | FLORHAM PARK, NJ | CONTRACT ADMIN | $11K | — |
Investments
28 direct securities· $20.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 | — | — | — | $4.0M | 19.7% | |
| Vanguard Target Retirement 2035 | — | — | — | $3.5M | 17.1% | |
| Vanguard Growth Indx Fund Adm | — | — | — | $2.2M | 10.7% | |
| Vanguard Target Retirement 2040 | — | — | — | $1.7M | 8.5% | |
| Vanguard Target Retirement 2025 | — | — | — | $1.6M | 7.7% | |
| Vanguard Target Retirement 2050 | — | — | — | $1.4M | 6.9% | |
| Vanguard Target Retirement 2045 | — | — | — | $1.2M | 6.1% | |
| Vanguard Target Retirement 2055 | — | — | — | $1.1M | 5.3% | |
| Vanguard Target Retirement 2060 | — | — | — | $612K | 3.0% | |
| Vanguard Intermed Term Bond Indx Adm | — | — | — | $552K | 2.7% | |
| Vanguard Value Indx Fund Adm | — | — | — | $475K | 2.3% | |
| T. Rowe Price Overseas Stock I | — | — | — | $357K | 1.8% | |
| Vanguard 500 Indx Adm | — | — | — | $332K | 1.6% | |
| Franklin Small-Cap Growth R6 | — | — | — | $308K | 1.5% | |
| Vanguard Mid-Cap Growth Indx Adm | — | — | — | $149K | 0.7% | |
| Seafarer Overseas Gr & Income Instl | — | — | — | $111K | 0.5% | |
| Principal Small-Cap Value Fund II Instl | — | — | — | $111K | 0.5% | |
| Vanguard Mid-Cap Value Indx Adm | — | — | — | $106K | 0.5% | |
| TCW Emerging Markets Income I | — | — | — | $105K | 0.5% | |
| Vanguard Target Retirement 2065 | — | — | — | $103K | 0.5% | |
| Vanguard High-Yield Corporate Fund Adm | — | — | — | $73K | 0.4% | |
| Victory Trivalent Int SM-CP I | — | — | — | $72K | 0.4% | |
| Vanguard Target Retirement Fund | — | — | — | $31K | 0.2% | |
| Vanguard Real Estate Indx Fund Adm | — | — | — | $29K | 0.1% | |
| Empower General Account | — | — | — | $22K | 0.1% | |
| Vanguard Target Retirement 2020 | — | — | — | $8K | <0.1% | |
| Participant Loans | — | — | — | $6K | <0.1% | |
| Pimco Int Bond (Usd-Hedged) Inst | — | — | — | $4K | <0.1% |
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