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Original filing (PDF)20251118230129NAL0001699811001
STERLING CONSTRUCTION COMPANY, INC.
Form 5500
FILING_RECEIVED
STERLING CONSTRUCTION 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 36.1 moNo recordkeeper disclosed
Active participants
2,273
Accounts w/ balance
1,299
Plan assets (EOY)
$85.7M
Net assets (EOY)
$85.7M
How this plan invests
This plan
24 pooled trusts
Schedule D
42 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
79
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
75
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
80
Knocking points off
- Filed 36.1 months past the 10.5-month grace window.
- 34 bps in Schedule C fees — 110% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
- 57% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for STERLING CONSTRUCTION COMPANY, INC..
Plan sponsor
Name
STERLING CONSTRUCTION COMPANY, INC.
EIN
25-1655321
Address
1800 HUGHES LANDING BLVD, SUITE 250 · THE WOODLANDS, TX · 773801683
Phone
(281) 214-0823
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2021-01-01
Tax period
2021-12-31
Filed
2025-11-19
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)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALLIANT RETIREMENT CONSULTING | 33-0785439 | — | INVESTMENT ADVISORY | $0 | — |
| RAYMOND JAMES FIN SVCS ADVISORS | 59-2937883 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $288K | — |
Investments
20 direct securities · 24 pooled funds· $86.3M(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.
Common Collective Trust
$46.9M
14 holdings
Pooled Separate Account
$20.7M
10 holdings
Uncategorized
$18.8M
20 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $6.8M | 8.0% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $6.5M | 7.6% | |
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $6.3M | 7.3% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $6.3M | 7.3% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $5.0M | 5.9% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $4.5M | 5.3% | |
| PRIN LGCP S&P 500 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $4.3M | 5.0% | |
| PRIN SAM STRAT GROWTH SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 109 | Pooled Separate Account | — | — | $4.1M | 4.8% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $3.9M | 4.5% | |
| PRIN SAM BALANCED SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 105 | Pooled Separate Account | — | — | $3.9M | 4.5% | |
| T Row e Price Blue Chip Grow th Fund Mutual fund | — | — | — | $3.5M | 4.0% | |
| PRIN SAM CONS GROWTH SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 107 | Pooled Separate Account | — | — | $3.3M | 3.8% | |
| PRIN STABLE VALUE Z FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274328 / PN 001 | Common Collective Trust | — | — | $2.9M | 3.4% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $2.1M | 2.4% | |
| T Row e Price Science & Technology Fund Mutual fund | — | — | — | $1.8M | 2.1% | |
| JP Morgan Equity Inc R6 Fund Mutual fund | — | — | — | $1.6M | 1.9% | |
| Participant Loans (Maturities through 2026) Interest rate range: 4.25% to 7.50% - | — | — | — | $1.5M | 1.7% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $1.5M | 1.7% | |
| PRIN MIDCAP S&P 400 IDX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $1.4M | 1.7% | |
| PRIN SMCAP S&P 600 INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | — | $1.3M | 1.6% | |
| Dodge & Cox Income Fund Mutual fund | — | — | — | $1.3M | 1.5% | |
| Party in Identity of Issue, Borrower, Description of (d) Current Interest Lessor or Similar Party Investment Cost Value American Century Mid-Cap Value R6 Fund Mutual fund | — | — | — | $1.2M | 1.4% | |
| Buffalo Discovery Fund Mutual fund | — | — | — | $987K | 1.2% | |
| PRIN SAM CONS BALANCED SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 106 | Pooled Separate Account | — | — | $921K | 1.1% | |
| Vanguard Energy Fund Mutual fund | — | — | — | $895K | 1.0% | |
| Franklin Small Cap Growth R6 Fund Mutual fund | — | — | — | $796K | 0.9% | |
| PIMCO Income Institutional Fund Mutual fund | — | — | — | $788K | 0.9% | |
| PRIN INTL EQUITY INDEX SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 121 | Pooled Separate Account | — | — | $686K | 0.8% | |
| American Funds New World R6 Fund Mutual fund | — | — | — | $654K | 0.8% | |
| American Funds EuroPacific Growth R6 Fund Mutual fund | — | — | — | $614K | 0.7% | |
| Undiscovered Managers Behavioral Value Fund Mutual fund | — | — | — | $606K | 0.7% | |
| Vanguard Health Care Fund Mutual fund | — | — | — | $592K | 0.7% | |
| Principal Global Real Estate Securities Separate Account Pooled separate account | — | — | — | $527K | 0.6% | |
| PRIN GL REAL EST SEC SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 136 | Pooled Separate Account | — | — | $527K | 0.6% | |
| PGIM High Yield R6 Fund Mutual fund | — | — | — | $453K | 0.5% | |
| PRIN LIFETIME HYBR 2015 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 002 | Common Collective Trust | — | — | $445K | 0.5% | |
| Franklin Utilities R6 Fund Mutual fund | — | — | — | $354K | 0.4% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $306K | 0.4% | |
| Columbia Overseas Value Fund Mutual fund | — | — | — | $289K | 0.3% | |
| PIMCO International Bond Fund U.S. Dollar-Hedged Mutual fund | — | — | — | $197K | 0.2% | |
| Principal Lifetime Hybrid Income Collective trust fund | — | — | — | $184K | 0.2% | |
| PRIN LIFETIME HYBR INC CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 011 | Common Collective Trust | — | — | $184K | 0.2% | |
| PRIN SAM FLEXIBLE INCOME SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 108 | Pooled Separate Account | — | — | $177K | 0.2% | |
| PRIN LIFETIME HYBR 2010 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 001 | Common Collective Trust | — | — | $95K | 0.1% |