Original filing (PDF)20251003081421NAL0000717827001

PROFESSIONAL BUILDING SYSTEMS, INC.

Name: PROFESSIONAL BUILDING SYSTEMS, INC. — PROFESSIONAL BUILDING SYSTEMS, INC. 401(K) PLAN, Form 5500 (2024)
Creator: PROFESSIONAL BUILDING SYSTEMS, INC.

Form 5500

FILING_RECEIVED

PROFESSIONAL BUILDING SYSTEMS, INC. 401(K) PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

938

Accounts w/ balance

541

Plan assets (EOY)

$15.2M

Net assets (EOY)

$15.2M

How this plan invests

This plan

48 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

/ 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

Vendor stack

Participation health

Knocking points off

60 bps in Schedule C fees — 108% above peer band of 29 bps.
No recordkeeper disclosed on Schedule C.
58% balance-to-active ratio — below typical for a healthy 401(k).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PROFESSIONAL BUILDING SYSTEMS, INC..

Plan sponsor

Name

PROFESSIONAL BUILDING SYSTEMS, INC.

EIN

23-3038127

Address

72 EAST MARKET STREET · MIDDLEBURG, PA · 17842

Phone

(570) 837-1424

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

2025-10-03

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

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

3H · Sponsor in controlled / affiliated group

2T · Default investment account (QDIA)

Audit & trust (Schedule H)

Auditor

BROWN PLUS

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
CREATIVE FINANCIAL GROUP	—	NEWTOWN SQUARE, PA	INVESTMENT ADVISOR	$41K	—
NEWSQUARE CAPITAL, LLC	—	NEWTOWN SQUARE, PA	INVESTMENT MANAGER	$0	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
PCS RETIREMENT, LLC	23-3038464	—	CONTRACTOR ADMINISTRATOR	$51K	—

Investments

47 direct securities· $15.1M(99% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard LifeStrategy Moderate Gr Inv Mutual Funds	—	—	—	$2.1M	13.8%
Fidelity Blue Chip Growth K6 Mutual Funds	—	—	—	$1.7M	11.5%
Vanguard Target Retirement 2025 Inv Mutual Funds	—	—	—	$1.7M	11.2%
Vanguard Target Retirement 2030 Inv Mutual Funds	—	—	—	$1.3M	8.5%
Vanguard Target Retirement 2035 Inv Mutual Funds	—	—	—	$973K	6.4%
Vanguard LifesStrategy Growth Inv Mutual Funds	—	—	—	$967K	6.4%
Vanguard Target Retirement 2045 Inv Mutual Funds	—	—	—	$804K	5.3%
Vanguard 500 Index Admiral Mutual Funds	—	—	—	$622K	4.1%
JPMorgan US Research Enhanced Equity R6 Mutual Funds	—	—	—	$524K	3.4%
Vanguard Mid-Cap Growth Index Admiral Mutual Funds	—	—	—	$493K	3.2%
Vanguard Target Retirement 2040 Inv Mutual Funds	—	—	—	$478K	3.1%
Standard Safety Plus Fund I Mutual Funds	—	—	—	$426K	2.8%
Notes receivable from participants Bearing interest at 4.25%-9.50% -	—	—	—	$378K	2.5%
Vanguard LifeStrategy Cnsrv Gr Inv Mutual Funds	—	—	—	$368K	2.4%
Vanguard Target Retirement 2055 Inv Mutual Funds	—	—	—	$322K	2.1%
Vanguard Target Retirement 2060 Inv Mutual Funds	—	—	—	$262K	1.7%
Vanguard Target Reitrement 2050 Inv Mutual Funds	—	—	—	$190K	1.2%
Vanguard Mid Cap Index Admiral Mutual Funds	—	—	—	$174K	1.1%
Vanguard Target Retirement 2065 Inv Mutual Funds	—	—	—	$153K	1.0%
Vanguard Target Retirement 2020 Inv Mutual Funds	—	—	—	$140K	0.9%
Modern Bank Deposit Account Interest-Bearing Cash	—	—	—	$130K	0.9%
Vanguard Total Bond Market Index Adm Mutual Funds	—	—	—	$104K	0.7%
American Funds New World R6 Mutual Funds	—	—	—	$93K	0.6%
Nuveen Large-Cap Growth Idx Mutual Funds	—	—	—	$86K	0.6%
American Funds New Perspective Mutual Funds	—	—	—	$84K	0.6%
Vanguard Short-Term Investment Grade Adm Mutual Funds ** 16 Vanguard Small Cap Growth Index Admiral Mutual Funds	—	—	—	$74K	0.5%
Vanguard Mid-Cap Value Index Admiral Mutual Funds	—	—	—	$57K	0.4%
Fidelity Small Cap Index Mutual Funds	—	—	—	$43K	0.3%
Vanguard Equity-Income Adm Mutual Funds	—	—	—	$41K	0.3%
PIMCO Commodity Real Ret Strat Instl Mutual Funds	—	—	—	$39K	0.3%
Vanguard Value Index Adm Mutual Funds	—	—	—	$38K	0.3%
Modern Bank Deposit Account Mutual Funds	—	—	—	$36K	0.2%
Vanguard Small Cap Value Index Admiral Mutual Funds	—	—	—	$31K	0.2%
PIMCO International Bond Instl Mutual Funds	—	—	—	$27K	0.2%
Vanguard Target Retirement Income Inv Mutual Funds	—	—	—	$21K	0.1%
American Funds US Government Sec R6 Mutual Funds ** 38 DFA Global Real Estate Securities Port Mutual Funds	—	—	—	$18K	0.1%
Royce Small-Cap Opportunity Inst Mutual Funds	—	—	—	$12K	<0.1%
Fidelity Low-Priced Stock Mutual Funds	—	—	—	$11K	<0.1%
Vanguard LifeStrategy Income Inv Mutual Funds	—	—	—	$10K	<0.1%
Invesco Small Cap Value R6 Mutual Funds	—	—	—	$9K	<0.1%
Vanguard Inflation-Protected Secs Adm Mutual Funds ** 16 Vanguard International Growth Adm Mutual Funds	—	—	—	$8K	<0.1%
Neuberger Berman Mis Cap Growth FD R6 Mutual Funds	—	—	—	$8K	<0.1%
Vanguard Emerging Mkts Stock Idx Adm Mutual Funds	—	—	—	$5K	<0.1%
Vanguard Target Retirement 2070 Inv Mutual Funds	—	—	—	$4K	<0.1%
Vanguard Wellesley Income Admiral Mutual Funds	—	—	—	$4K	<0.1%
Federated Hermes Instl High Yield Bd IS Mutual Funds	—	—	—	$3K	<0.1%
American Funds Bond Fund of Amer R6 Mutual Funds	—	—	—	$3K	<0.1%