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Original filing (PDF)20251015173222NAL0002814755001
MCNATIONAL, INC.
Form 5500
FILING_RECEIVED
MCNATIONAL 401(K) PLAN
401(k) retirement plan
Signals · 2
25% in single holdingNo recordkeeper disclosed
Active participants
757
Accounts w/ balance
733
Plan assets (EOY)
$21.8M
Net assets (EOY)
$21.8M
How this plan invests
This plan
1 pooled trust
Schedule D
32 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
87
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Voya Ret. Ins. and Annuity Co. Voya Fixed Account -" is 25% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (7 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MCNATIONAL, INC..
Plan sponsor
Name
MCNATIONAL, INC.
EIN
31-1235314
Address
PO BOX 534 · SOUTH POINT, OH · 456800534
Phone
(740) 377-4391
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
2025-10-15
Pension benefit codes
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
KELLEY GALLOWAY SMITH GOOLSBY, PSC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA INSURANCE AND ANNUITY CO | 71-0294708 | — | INVESTMENT ADVISORY | $14K | — |
| MORNINGSTAR INVESTMENT MANAGEMENT | 36-3297908 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ BENEFITS AND INSURANCE | — | HOUSTON, TX | THIRD PARTY ADMINISTRATO | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS | 47-1411118 | — | SERVICE PROVIDER | $0 | — |
Investments
32 direct securities · 1 pooled fund· $37.6M(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.
Uncategorized
$21.8M
32 holdings
Pooled Separate Account
$15.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY CO · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $15.8M | 72.5% | |
| Voya Ret. Ins. and Annuity Co. Voya Fixed Account - | — | — | — | $5.5M | 25.2% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2030 Fnd Inv - | — | — | — | $1.6M | 7.4% | |
| Voya Ret. Ins. and Annuity Co. Vanguard 500 Index Fund Adm - | — | — | — | $1.5M | 7.0% | |
| Voya Ret. Ins. and Annuity Co. MFS Growth Fund R6 - | — | — | — | $1.4M | 6.5% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2035 Fnd Inv - | — | — | — | $1.4M | 6.2% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2025 Fnd Inv - | — | — | — | $1.3M | 6.0% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2050 Fnd Inv - | — | — | — | $898K | 4.1% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2040 Fnd Inv - | — | — | — | $726K | 3.3% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2045 Fnd Inv - | — | — | — | $716K | 3.3% | |
| Voya Ret. Ins. and Annuity Co. American Funds EuroPacific R6 - | — | — | — | $676K | 3.1% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2055 Fnd Inv - | — | — | — | $588K | 2.7% | |
| Participant Loans Participant Loans - 4.25% to 9.50% - | — | — | — | $498K | 2.3% | |
| Voya Ret. Ins. and Annuity Co. American Funds Am Balancd R6 - | — | — | — | $478K | 2.2% | |
| Voya Ret. Ins. and Annuity Co. Voya Intermediate Bond Fund R6 - | — | — | — | $425K | 1.9% | |
| Voya Ret. Ins. and Annuity Co. American Funds Wash Mtual R6 - | — | — | — | $420K | 1.9% | |
| Voya Ret. Ins. and Annuity Co. Amer Bcn Stephens Md-Cap Grw Fd Inst - | — | — | — | $410K | 1.9% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Mid-Cap Index Fund Adm - | — | — | — | $408K | 1.9% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2020 Fnd Inv - | — | — | — | $381K | 1.7% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Small-Cap Index Fund Adm - | — | — | — | $346K | 1.6% | |
| Voya Ret. Ins. and Annuity Co. PIMCO Real Return Fund Inst - | — | — | — | $309K | 1.4% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2060 Fnd Inv - | — | — | — | $301K | 1.4% | |
| Voya Ret. Ins. and Annuity Co. Franklin Small-Cap Value Fund R6 - | — | — | — | $300K | 1.4% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire Income Fnd Inv - | — | — | — | $271K | 1.2% | |
| Voya Ret. Ins. and Annuity Co. American Funds New World R6 - | — | — | — | $209K | 1.0% | |
| Voya Ret. Ins. and Annuity Co. DFA Real Estate Secs Port Ins - | — | — | — | $179K | 0.8% | |
| Voya Ret. Ins. and Annuity Co. PGIM High Yield Fund R6 - | — | — | — | $143K | 0.7% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2065 Fnd Inv - | — | — | — | $137K | 0.6% | |
| Voya Ret. Ins. and Annuity Co. Voya Money Mkt Fnd A (Holding Acct) - | — | — | — | $119K | 0.5% | |
| Voya Ret. Ins. and Annuity Co. Amer Cent Mid Cap Value Fund R6 - | — | — | — | $69K | 0.3% | |
| Voya Ret. Ins. and Annuity Co. ClrBrg Small-Cap Grwth Fnd IS - | — | — | — | $43K | 0.2% | |
| Voya Ret. Ins. and Annuity Co. Vanguard Trgt Retire 2070 Fnd Inv - | — | — | — | $10K | <0.1% | |
| Voya Ret. Ins. and Annuity Co. Pioneer Strategic Income Fund K - | — | — | — | $3K | <0.1% |