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Original filing (PDF)20250724120100NAL0004626721001
ELFORD, INC.
Form 5500
FILING_RECEIVED
ELFORD, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
197
Accounts w/ balance
290
Plan assets (EOY)
$22.3M
Net assets (EOY)
$22.3M
How this plan invests
This plan
1 pooled trust
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
75
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ELFORD, INC..
Plan sponsor
Name
ELFORD, INC.
EIN
31-4371060
Address
1220 DUBLIN ROAD · COLUMBUS, OH · 43215
Phone
(614) 488-4000
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-24
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
GBQ PARTNERS LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE RETIREMENT SYSTEMS, INC | — | CINCINNATI, OH | TPA | $0 | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE JOSEPH GROUP, LLC | 36-4729550 | — | SERVICE PROVIDER | $0 | — |
| VOYA RETIREMENT INSURANCE AND AC | 71-0294708 | — | SERVICE PROVIDER | $0 | — |
Investments
31 direct securities · 1 pooled fund· $42.9M(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.
Pooled Separate Account
$21.2M
1 holding
Uncategorized
$18.7M
30 holdings
Mutual Funds
$3.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 001 | Pooled Separate Account | — | — | $21.2M | 95.3% | |
| Fidelity S&P 500 Index Fund | Mutual Funds | — | — | $3.0M | 13.7% | |
| Black Rock BlkRck LifePath Index 2030 Fund K | — | — | — | $1.7M | 7.8% | |
| AllianceBernstein AB Large Cap GRW Fund | — | — | — | $1.5M | 6.8% | |
| American Funds American Funds Wash Mutual R6 | — | — | — | $1.4M | 6.4% | |
| Black Rock BlkRck LifePath Index 2050 Fund K | — | — | — | $1.1M | 4.8% | |
| Black Rock BlkRck LifePath Index 2055 Fund K | — | — | — | $991K | 4.5% | |
| Black Rock BlkRck LifePath Index Ret Fund K | — | — | — | $986K | 4.4% | |
| Black Rock BlkRck LifePath Index 2060 Fund K | — | — | — | $898K | 4.0% | |
| Fidelity Mid Cap Index Fund | — | — | — | $854K | 3.8% | |
| American Funds American Funds EuroPacific R6 | — | — | — | $803K | 3.6% | |
| Federated Hermes FdtdHrms Institutional High Yld Bd Fd R6 | — | — | — | $797K | 3.6% | |
| Leuthold Core Investment F Ins | — | — | — | $783K | 3.5% | |
| Prudential PGIM Total Return Bond Fund R6 | — | — | — | $733K | 3.3% | |
| Black Rock BlkRck LifePath Index 2040 Fund K | — | — | — | $624K | 2.8% | |
| Fidelity Emg Mkts Id Fd | — | — | — | $586K | 2.6% | |
| Black Rock BlkRck LifePath Index 2045 Fund K | — | — | — | $553K | 2.5% | |
| Janus Hndr Enterprise Fund N | — | — | — | $471K | 2.1% | |
| Franklin Small Cap Value Fund R6 | — | — | — | $449K | 2.0% | |
| Black Rock BlkRck LifePath Index 2035 Fund K | — | — | — | $448K | 2.0% | |
| American Funds American Funds SmallCap R6 | — | — | — | $435K | 2.0% | |
| Guaranteed Income Fund * Voya Fixed Account (4062) | — | — | — | $360K | 1.6% | |
| Fidelity International Index Fund | — | — | — | $346K | 1.6% | |
| American Century AmCen Global Real Estate F R6 | — | — | — | $301K | 1.4% | |
| Fidelity Small Cap Index Fund | — | — | — | $287K | 1.3% | |
| Fidelity US Bond Index Fund | — | — | — | $280K | 1.3% | |
| JPMorgan Small Cap Growth Fund R6 | — | — | — | $275K | 1.2% | |
| ALPS CrCmm Mgt CmpCmm Str Fd I | — | — | — | $231K | 1.0% | |
| Vanguard Infl-Prt Secs Fund Adm | — | — | — | $169K | 0.8% | |
| Loans to participants with various maturity dates through June 2031 | — | — | — | $153K | 0.7% | |
| Black Rock BlkRck LifePath Index 2065 Fund K | — | — | — | $104K | 0.5% | |
| Money Market Fund * Voya Gv Money Market F A | — | — | — | $7K | <0.1% |
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