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Original filing (PDF)20251009151946NAL0004035331001
IRON MECHANICAL, INC.
Form 5500
FILING_RECEIVED
IRON MECHANICAL, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
32% in single holdingNo recordkeeper disclosed
Active participants
282
Accounts w/ balance
190
Plan assets (EOY)
$11.0M
Net assets (EOY)
$11.0M
How this plan invests
This plan
25 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
83
/ 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
100
Concentration risk
84
Total plan cost
65
Vendor stack
80
Participation health
80
Knocking points off
- Top holding "Great Gray Trust flexPATH Index+ Moderate 2045 T2" is 32% of plan.
- 67 bps in Schedule C fees — 130% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for IRON MECHANICAL, INC..
Plan sponsor
Name
IRON MECHANICAL, INC.
EIN
27-0252085
Address
721 NORTH B STREET, SUITE 100 · SACRAMENTO, CA · 95811
Phone
(916) 341-3530
Industry
Plumbing, Heating, AC Contractors· 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
2025-10-09
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)
Audit & trust (Schedule H)
Auditor
ANDERS MINKLER HUBER & HELM LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENECO SYSTEMS, LLC | 41-2046279 | — | NONE | $73K | — |
Investments
9 direct securities · 25 pooled funds· $11.0M(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
$10.1M
25 holdings
Uncategorized
$818K
8 holdings
Mutual Funds
$78K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FLEXPATH INDEX+ MOD 2045 FUND GREAT GRAY · EIN 47-3071639 / PN 235 | Common Collective Trust | — | — | $3.5M | 32.0% | |
| FLEXPATH INDEX+ MOD 2055 FUND GREAT GRAY · EIN 47-3188067 / PN 238 | Common Collective Trust | — | — | $2.7M | 24.6% | |
| FLEXPATH INDEX+ MOD 2035 FUND GREAT GRAY · EIN 47-3002484 / PN 232 | Common Collective Trust | — | — | $1.4M | 13.1% | |
| FLEXPATH INDEX+ MOD RETIREMENT FUND GREAT GRAY · EIN 47-2851418 / PN 226 | Common Collective Trust | — | — | $660K | 6.0% | |
| LARGE CAP GROWTH FUND GREAT GRAY · EIN 82-4435820 / PN 375 | Common Collective Trust | — | — | $503K | 4.6% | |
| Loan Fund Loan Fund | — | — | — | $469K | 4.3% | |
| FLEXPATH INDEX+AGGRESSIVE 2045 FUND GREAT GRAY · EIN 47-3026996 / PN 234 | Common Collective Trust | — | — | $166K | 1.5% | |
| LARGE CAP VALUE FUND GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $164K | 1.5% | |
| FLEXPATH INDEX+AGGR RETIREMENT FUND GREAT GRAY · EIN 47-2836296 / PN 225 | Common Collective Trust | — | — | $143K | 1.3% | |
| FLEXPATH INDEX+AGGRESSIVE 2055 FUND GREAT GRAY · EIN 47-3170652 / PN 237 | Common Collective Trust | — | — | $130K | 1.2% | |
| SMALL CAP VALUE FUND GREAT GRAY · EIN 38-4097325 / PN 488 | Common Collective Trust | — | — | $127K | 1.2% | |
| FLEXPATH INDEX+ CONSERV 2045 FUND GREAT GRAY · EIN 47-3144367 / PN 236 | Common Collective Trust | — | — | $118K | 1.1% | |
| FLEXPATH INDEX+AGGRESSIVE 2035 FUND GREAT GRAY · EIN 47-2987118 / PN 231 | Common Collective Trust | — | — | $106K | 1.0% | |
| T. ROWE PRICE FUNDS T. Rowe Price New Horizons | — | — | — | $97K | 0.9% | |
| BLACKROCK EQUITY INDEX FUND GREAT GRAY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $85K | 0.8% | |
| AMERICAN FUNDS American Funds New Perspective R4 | Mutual Funds | — | — | $78K | 0.7% | |
| T. ROWE PRICE FUNDS T. Rowe Price Extended Equity Market Idx | — | — | — | $70K | 0.6% | |
| Fidelity Group Fidelity International Small Cap Opp | — | — | — | $52K | 0.5% | |
| BLACKROCK U.S. DEBT INDEX FUND GREAT GRAY · EIN 20-3802445 / PN 010 | Common Collective Trust | — | — | $48K | 0.4% | |
| T. Rowe Price Group Inc. T. Rowe Price Balanced | — | — | — | $45K | 0.4% | |
| INTERNATIONAL GROWTH FUND II GREAT GRAY · EIN 38-4139842 / PN 619 | Common Collective Trust | — | — | $40K | 0.4% | |
| FLEXPATH INDEX+ CONSERV 2035 FUND GREAT GRAY · EIN 47-3018134 / PN 233 | Common Collective Trust | — | — | $36K | 0.3% | |
| Principal Global Real Estate Principal Global Real Estate | — | — | — | $35K | 0.3% | |
| CORE BOND FUND GREAT GRAY · EIN 82-1986152 / PN 325 | Common Collective Trust | — | — | $32K | 0.3% | |
| FLEXPATH INDEX+ CONSERV 2055 FUND GREAT GRAY · EIN 47-3216409 / PN 239 | Common Collective Trust | — | — | $28K | 0.3% | |
| BLACKROCK EAFE EQUITY INDEX FUND GREAT GRAY · EIN 20-3802495 / PN 007 | Common Collective Trust | — | — | $28K | 0.3% | |
| Vanguard Short-Term Federal Adm | — | — | — | $25K | 0.2% | |
| Fidelity Investments Fidelity Advisor Total Bond I | — | — | — | $23K | 0.2% | |
| SMALL CAP GROWTH FUND GREAT GRAY · EIN 38-4097324 / PN 487 | Common Collective Trust | — | — | $14K | 0.1% | |
| INTERNATIONAL STOCK FUND GREAT GRAY · EIN 82-2436292 / PN 342 | Common Collective Trust | — | — | $3K | <0.1% | |
| FLEXPATH INDEX+ CONSERV RETIRE FUND GREAT GRAY · EIN 47-2916729 / PN 227 | Common Collective Trust | — | — | $2K | <0.1% | |
| FLEXPATH INDEX+AGGRESSIVE 2025 FUND GREAT GRAY · EIN 47-2935740 / PN 228 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX+ CONSERV 2025 FUND GREAT GRAY · EIN 47-2961375 / PN 230 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX+ MOD 2025 FUND GREAT GRAY · EIN 47-2950747 / PN 229 | Common Collective Trust | — | — | $0 | <0.1% |
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