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Original filing (PDF)20251001073117NAL0012880513001
SPECIALTY INTERIORS, INC.
Form 5500
FILING_RECEIVED
SPECIALTY INTERIORS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 3
29% in single holding~106 bps in Sched C feesNo recordkeeper disclosed
Active participants
115
Accounts w/ balance
160
Plan assets (EOY)
$4.2M
Net assets (EOY)
$4.2M
How this plan invests
This plan
1 pooled trust
Schedule D
16 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
100
Concentration risk
86
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "American Century OC 2025 SA3R Pooled Separate Account" is 29% of plan.
- 106 bps in Schedule C fees — 104% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPECIALTY INTERIORS, INC..
Plan sponsor
Name
SPECIALTY INTERIORS, INC.
EIN
26-2252319
Address
2652 CRESENT SPRINGS ROAD · ERLANGER, KY · 41017
Phone
(859) 331-2696
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
2025-10-01
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BLUE & CO., LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LATITUDE SERVICE COMPANY, INC | — | PLYMOUTH, IN | TPA | $1K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LINCOLN NATIONAL CORPORATION | 35-1140070 | — | SERVICE PROVIDER | $38K | — |
| BLUE & CO., LLC | 35-1178661 | — | SERVICE PROVIDER | $5K | — |
Investments
16 direct securities · 1 pooled fund· $8.4M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$4.2M
1 holding
Uncategorized
$4.2M
16 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| LINCOLN LIFE SEPARATE ACCOUNT 4K LINCOLN NATIONAL LIFE INSURANCE CO. · EIN 35-0472300 / PN 001 | Pooled Separate Account | — | — | $4.2M | 99.9% | |
| American Century OC 2025 SA3R Pooled Separate Account | — | — | — | $1.2M | 28.9% | |
| American Century OC 2035 SA3T Pooled Separate Account | — | — | — | $1.0M | 24.7% | |
| American Century OC 2040 SA3U Pooled Separate Account | — | — | — | $635K | 15.1% | |
| American Century OC 2045 SA3V Pooled Separate Account | — | — | — | $442K | 10.5% | |
| American Century OC 2030 SA3S Pooled Separate Account | — | — | — | $335K | 8.0% | |
| American Century OC 2050 SA3W Pooled Separate Account | — | — | — | $200K | 4.8% | |
| American Century OC 2060 SADU Pooled Separate Account | — | — | — | $145K | 3.5% | |
| American Century OC 2065 SAQS Pooled Separate Account | — | — | — | $63K | 1.5% | |
| American Century OC 2055 SA3X Pooled Separate Account | — | — | — | $62K | 1.5% | |
| American Century OC RET SA3Y Pooled Separate Account | — | — | — | $48K | 1.1% | |
| MFS MidCap Growth Fund Pooled Separate Account | — | — | — | $3K | <0.1% | |
| Vanguard 500 Index SACG Pooled Separate Account ** 440 * VG Dev Markets Idx Admrl SACH Pooled Separate Account ** 270 * Franklin Small Cap Growth Pooled Separate Account | — | — | — | $3K | <0.1% | |
| VG Div Grw Inv Shares SAAR Pooled Separate Account | — | — | — | $2K | <0.1% | |
| MFS Growth Fund Pooled Separate Account | — | — | — | $2K | <0.1% | |
| Lincoln Financial Group Guaranteed Stable Value ** 19 * American Funds New World Pooled Separate Account ** 805 * Blackrock High Yield Bond Fund Pooled Separate Account | — | — | — | $1K | <0.1% | |
| Western Ast Core Bond Pooled Separate Account | — | — | — | $1K | <0.1% |
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