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Original filing (PDF)20251008122226NAL0002992419001
R & H MECHANICAL, INC.
Form 5500
FILING_RECEIVED
R & H MECHANICAL,INC.401(K) RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
~75 bps in Sched C fees
Active participants
187
Accounts w/ balance
216
Plan assets (EOY)
$6.3M
Net assets (EOY)
$6.3M
How this plan invests
This plan
21 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
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 75 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for R & H MECHANICAL, INC..
Plan sponsor
Name
R & H MECHANICAL, INC.
EIN
32-0109930
Address
P.O. BOX 810 · EAGLE, CO · 81631
Phone
(970) 328-2699
Industry
Other Services (ex. Public Admin)see 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
2025-10-08
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
EIDE BAILLY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $24K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTON LARSON ALLEN WEALTH ADV LLC | — | OAK BROOK, IL | INVESTMENT ADVISOR | $19K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ BENEFITS & INS SERVICES | — | CHICAGO, IL | CONTRACT ADMINISTRATOR | $2K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $2K | — |
Investments
21 direct securities· $6.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock Lifepath Index 2035 Mutual Fund N/A | — | — | — | $1.1M | 17.8% | |
| BlackRock Lifepath Index 2040 Mutual Fund N/A | — | — | — | $975K | 15.4% | |
| BlackRock Lifepath Index 2030 Mutual Fund N/A | — | — | — | $774K | 12.2% | |
| BlackRock Lifepath Index 2045 Mutual Fund N/A | — | — | — | $711K | 11.2% | |
| Blackrock Lifepath Index Retirement K Mutual Fund N/A | — | — | — | $520K | 8.2% | |
| BlackRock Lifepath Index 2055 Mutual Fund N/A | — | — | — | $495K | 7.8% | |
| Putnam Dynamic Asset Allocation Bal R6 Mutual Fund N/A 942 T. Row Price Blue Chip Growth I Mutual Fund N/A | — | — | — | $379K | 6.0% | |
| Fidelity 500 Index Mutual Fund N/A | — | — | — | $297K | 4.7% | |
| BlackRock Lifepath Index 2050 Mutual Fund N/A | — | — | — | $288K | 4.5% | |
| BlackRock Lifepath Index 2060 Mutual Fund N/A | — | — | — | $209K | 3.3% | |
| BlackRock Lifepath Index 2065 Mutual Fund N/A | — | — | — | $157K | 2.5% | |
| Fidelity International Index Mutual Fund N/A | — | — | — | $98K | 1.6% | |
| JP Morgan US Equity R6 Mutual Fund N/A | — | — | — | $66K | 1.0% | |
| Notes receivable from participants Maturing 2025-2029 at interest rates of 4.25% - 9.50% - | — | — | — | $51K | 0.8% | |
| MFS Intl Diversification R6 Mutual Fund N/A | — | — | — | $45K | 0.7% | |
| BlackRock Total Return Mutual Fund N/A | — | — | — | $42K | 0.7% | |
| Loomis Sayles Core Plus Bond Mutual Fund N/A | — | — | — | $42K | 0.7% | |
| Key Guaranteed Portfolio Fund Guaranteed Annuity Contract N/A | — | — | — | $25K | 0.4% | |
| Pimco Income Institutional Mutual Fund N/A | — | — | — | $16K | 0.3% | |
| Invesco Global R6 Mutual Fund N/A | — | — | — | $15K | 0.2% | |
| BlackRock Inflation Protected Bond Mutual Fund N/A | — | — | — | $12K | 0.2% |