Original filing (PDF)20250930144751NAL0012419537001

CIRKS CONSTRUCTION, INC.

Name: CIRKS CONSTRUCTION, INC. — CIRKS CONSTRUCTION, INC. 401(K) PLAN, Form 5500 (2024)
Creator: CIRKS CONSTRUCTION, INC.

Form 5500

FILING_RECEIVED

CIRKS CONSTRUCTION, INC. 401(K) PLAN

401(k) retirement plan

Signals · 2

~84 bps in Sched C fees6 service providers

Active participants

375

Accounts w/ balance

206

Plan assets (EOY)

$11.9M

Net assets (EOY)

$11.9M

How this plan invests

This plan

9 pooled trusts

Schedule D

39 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

100

Participation health

Knocking points off

84 bps in Schedule C fees — 190% above peer band of 29 bps.
55% balance-to-active ratio — below typical for a healthy 401(k).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CIRKS CONSTRUCTION, INC..

Plan sponsor

Name

CIRKS CONSTRUCTION, INC.

EIN

33-0803265

Address

1927 N. GLASSELL STREET · ORANGE, CA · 92865

Phone

(714) 632-6717

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

2025-09-30

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

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

POLLARO & ASSOCIATES

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

6 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUTIY INSURANCE COMPANY	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$24K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
WORLD INV ADVISORS LLC	61-1758632	SANTA BARBARA, CA	INVESTMENT ADVISOR	$41K	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
ASCENSUS HOLDINGS INC DBA	—	SAN DIEGO CA, CA	CONTRACT ADMIN	$10K	—
ACTUARIAL BENEFITS CORP	20-1054428	TORRANCE, CA	CONTRACT ADMIN	$2K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
POLLARO & ASSOCIATES	46-3852095	LAKEWOOD, CA	AUDITOR	$10K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
COTA STREET INVESTMENT MANAGEMENT	—	SANTA BARBARA, CA	INVESTMENT MGR	$14K	—

Investments

30 direct securities · 9 pooled funds· $11.7M(98% 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.

Mutual Funds

$6.9M

29 holdings

Common Collective Trust

$4.5M

7 holdings

Uncategorized

$281K

1 holding

Pooled Separate Account

$57K

2 holdings

Investment	Type	Shares / units	Cost	Current value	% of plan
COTA STREET MANAGED BLEND DECUMMULA AST WILMINGTON TRUST · EIN 38-4116859 / PN 527	Common Collective Trust	—	—	$1.7M	14.2%
T. Rowe Price Retirement 2040	Mutual Funds	—	—	$1.7M	13.9%
T. Rowe Price Retirement 2045	Mutual Funds	—	—	$1.5M	12.7%
COTA STREET MANAGED BLEND ACCUMMULA AST WILMINGTON TRUST · EIN 38-4116856 / PN 524	Common Collective Trust	—	—	$1.1M	9.0%
Nuveen Large Cap Growth	Mutual Funds	—	—	$923K	7.7%
T. Rowe Price Retirement 2050	Mutual Funds	—	—	$848K	7.1%
COTA STREET MANAGED FIXED INCOME DE AST WILMINGTON TRUST · EIN 38-4116860 / PN 528	Common Collective Trust	—	—	$572K	4.8%
T. Rowe Price Retirement 2035	Mutual Funds	—	—	$468K	3.9%
COTA STREET MANAGED EQUITY ACC AST WILMINGTON TRUST · EIN 38-4116855 / PN 523	Common Collective Trust	—	—	$374K	3.1%
Fidelity 500 Index	Mutual Funds	—	—	$343K	2.9%
COTA STREET MANAGED FIXED INCOME AC AST WILMINGTON TRUST · EIN 38-4116857 / PN 525	Common Collective Trust	—	—	$299K	2.5%
Participant Loans through September 2045 0	—	—	—	$281K	2.4%
COTA STREET MANAGED EQUITY DECUMMUL AST WILMINGTON TRUST · EIN 38-4116858 / PN 526	Common Collective Trust	—	—	$279K	2.3%
PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202	Common Collective Trust	—	—	$203K	1.7%
T. Rowe Price Retirement 2060	Mutual Funds	—	—	$162K	1.4%
T. Rowe Price Retirement 2055	Mutual Funds	—	—	$158K	1.3%
Fidelity Advisor Total Bond	Mutual Funds	—	—	$154K	1.3%
T. Rowe Price Retirement 2030	Mutual Funds	—	—	$92K	0.8%
JPMorgan U.S. Value	Mutual Funds	—	—	$83K	0.7%
Fidelity Small Cap Growth ** 114 Mutual Funds Fidelity Small Cap Index	Mutual Funds	—	—	$81K	0.7%
American Funds New Perspective	Mutual Funds	—	—	$64K	0.5%
Columbia Global Tech Growth Instl	Mutual Funds	—	—	$53K	0.4%
American Funds American Balanced	Mutual Funds	—	—	$50K	0.4%
Goldman Sachs Int'l EQ Inc	Mutual Funds	—	—	$33K	0.3%
Fidelity Mid Cap Index	Mutual Funds	—	—	$33K	0.3%
Allspring Special Mid Cap Value	Mutual Funds	—	—	$32K	0.3%
MFS INTNL GROWTH EQUITY (IS) EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 839	Pooled Separate Account	—	—	$30K	0.2%
T ROWE US MID CAP GRW EQTY (IS) EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 848	Pooled Separate Account	—	—	$27K	0.2%
MFS Int'l New Discovery	Mutual Funds	—	—	$27K	0.2%
Lord Abbett Short Duration Income	Mutual Funds	—	—	$22K	0.2%
American Funds Inflation Linked BD	Mutual Funds	—	—	$18K	0.1%
American Funds New World	Mutual Funds	—	—	$17K	0.1%
T. Rowe Price Financial Services	Mutual Funds	—	—	$13K	0.1%
PGIM High Yield	Mutual Funds	—	—	$13K	0.1%
Dreyfus Government Cash Mgmt Instl	Mutual Funds	—	—	$12K	0.1%
PGIM Global Total Return	Mutual Funds	—	—	$9K	<0.1%
Blackrock Health Sciences Opps	Mutual Funds	—	—	$8K	<0.1%
Cohen & Steers Global Realty	Mutual Funds	—	—	$2K	<0.1%
Allspring Special Small Cap Value	Mutual Funds	—	—	$1K	<0.1%