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Original filing (PDF)20251007143251NAL0004730369001
THE OSCAR W. LARSON COMPANY
Form 5500
FILING_RECEIVED
OWL SERVICES 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
2,445
Accounts w/ balance
2,394
Plan assets (EOY)
$113.8M
Net assets (EOY)
$113.8M
How this plan invests
This plan
40 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
65
Vendor stack
80
Participation health
100
Knocking points off
- 26 bps in Schedule C fees — 155% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE OSCAR W. LARSON COMPANY.
Plan sponsor
Name
THE OSCAR W. LARSON COMPANY
EIN
38-1607330
Address
10100 DIXIE HIGHWAY · CLARKSTON, MI · 48348
Phone
(248) 620-0070
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-07
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)
Welfare benefit codes
4B · Life Insurance
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC | 34-1479833 | — | NONE | $177K | — |
| CAP FINANCIAL PARTNERS LLC | 26-0058143 | — | NONE | $114K | — |
Investments
20 direct securities · 40 pooled funds· $207.5M(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
$104.9M
40 holdings
Uncategorized
$102.7M
20 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| TROWE RET HYB TR 2030 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 011 | Common Collective Trust | — | — | $17.0M | 15.0% | |
| T Rowe Price Retirement Hybrid 2030 TR T14 | — | — | — | $17.0M | 15.0% | |
| TROWE RET HYB TR 2035 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 012 | Common Collective Trust | — | — | $16.9M | 14.8% | |
| T Rowe Price Retirement Hybrid 2035 TR T14 | — | — | — | $16.8M | 14.8% | |
| TROWE RET HYB TR 2040 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 013 | Common Collective Trust | — | — | $13.2M | 11.6% | |
| T Rowe Price Retirement Hybrid 2040 TR T14 | — | — | — | $13.2M | 11.6% | |
| T Rowe Price Retirement Hybrid 2025 TR T14 | — | — | — | $11.9M | 10.5% | |
| TROWE RET HYB TR 2025 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 010 | Common Collective Trust | — | — | $11.8M | 10.4% | |
| TROWE RET HYB TR 2045 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 014 | Common Collective Trust | — | — | $8.9M | 7.8% | |
| T Rowe Price Retirement Hybrid 2045 TR T14 | — | — | — | $8.9M | 7.8% | |
| TROWE RET HYB TR 2050 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 015 | Common Collective Trust | — | — | $7.2M | 6.4% | |
| T Rowe Price Retirement Hybrid 2050 TR T14 | — | — | — | $7.2M | 6.4% | |
| TROWE RET HYB TR 2055 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 016 | Common Collective Trust | — | — | $6.1M | 5.4% | |
| T Rowe Price Retirement Hybrid 2055 TR T14 | — | — | — | $6.1M | 5.4% | |
| JPMorgan Large Cap Growth | — | — | — | $4.6M | 4.1% | |
| NT CIT S&P 500 INDEX DC NL T4 NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 002 | Common Collective Trust | — | — | $4.5M | 4.0% | |
| FIDELITY INSTITUTIONAL ASSET MANAGEMENT TRUST COMPANY · EIN 20-4659714 / PN 052 | Common Collective Trust | — | — | $3.9M | 3.4% | |
| Fiam Core Plus Comingled Pool | — | — | — | $3.9M | 3.4% | |
| TROWE RET HYB TR 2060 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 018 | Common Collective Trust | — | — | $3.3M | 2.9% | |
| T Rowe Price Retirement Hybrid 2060 TR T14 | — | — | — | $3.3M | 2.9% | |
| RELIANCE TR CO SVF CIT SERIES 25053 RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $2.7M | 2.4% | |
| Participants Participant Loans Rates from 3.25% to 9.5% - | — | — | — | $2.4M | 2.1% | |
| T Rowe Price Retirement Hybrid 2020 TR T14 | — | — | — | $2.1M | 1.9% | |
| TROWE RET HYB TR 2020 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 009 | Common Collective Trust | — | — | $2.1M | 1.8% | |
| TROWE RET HYB TR 2065 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 019 | Common Collective Trust | — | — | $1.9M | 1.7% | |
| T Rowe Price Retirement Hybrid 2065 TR T14 | — | — | — | $1.9M | 1.7% | |
| TROWE RET HYB TR 2015 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 008 | Common Collective Trust | — | — | $1.5M | 1.3% | |
| T Rowe Price Retirement Hybrid 2015 TR T14 | — | — | — | $1.5M | 1.3% | |
| Northwestern Mutual Life Insurance Policies | — | — | — | $1.3M | 1.2% | |
| NT CIT ACWI EX US IMI DC NL T4 NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 125 | Common Collective Trust | — | — | $921K | 0.8% | |
| MFS LRG CAP VALUE FD CIT CL CT GREAT GRAY TRUST COMPANY · EIN 38-7275332 / PN 781 | Common Collective Trust | — | — | $631K | 0.6% | |
| MFS MID CAP GROWTH FUND CT GREAT GRAY TRUST COMPANY · EIN 38-4126294 / PN 597 | Common Collective Trust | — | — | $579K | 0.5% | |
| MASSMUTUAL SMCAPGRTHEQTY CL CT GREAT GRAY TRUST COMPANY · EIN 38-7271375 / PN 756 | Common Collective Trust | — | — | $477K | 0.4% | |
| MFS MID CAP VALUE FUND 2W GREAT GRAY TRUST COMPANY · EIN 38-4139822 / PN 616 | Common Collective Trust | — | — | $315K | 0.3% | |
| NT CIT AGGREGATE BD IDX NL T4 NORTHERN TRUST INVESTMENTS, INC. · EIN 27-6124985 / PN 001 | Common Collective Trust | — | — | $289K | 0.3% | |
| GG TR EUROPACIFIC GRW GREAT GRAY TRUST COMPANY · EIN 38-7289843 / PN 001 | Common Collective Trust | — | — | $201K | 0.2% | |
| American Beacon Small Cap Value R6 | — | — | — | $192K | 0.2% | |
| NT CIT EXTND MKT IDX DC NL T4 NORTHERN TRUST INVESTMENTS, INC. · EIN 45-6138589 / PN 110 | Common Collective Trust | — | — | $188K | 0.2% | |
| NT CIT Extended Market Index DC NL T4 | — | — | — | $187K | 0.2% | |
| Similar Party Collateral, Par, or Maturity Value Cost** Value Vanguard Federal Money Market Fd Invest Shr | — | — | — | $52K | <0.1% | |
| TROWE RET HYB TR 2010 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 007 | Common Collective Trust | — | — | $30K | <0.1% | |
| T Rowe Price Retirement Hybrid 2010 TR T14 | — | — | — | $30K | <0.1% | |
| TROWE RET HYB TR 2005 T11 T. ROWE PRICE TRUST COMPANY · EIN 35-6785642 / PN 006 | Common Collective Trust | — | — | $12K | <0.1% | |
| T Rowe Price Retirement Hybrid 2005 TR T14 | — | — | — | $11K | <0.1% | |
| T ROWE PRICE RET 2060 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| TROWE PRICE 2065 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| WILMINGTON TR EUROPACGTTH CT WILMINGTON TRUST, N.A. · EIN 38-7289843 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2005 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 61-6434302 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2055 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2050 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2045 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2040 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2035 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2030 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2025 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2020 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 36-7594871 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2015 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| T ROWE PRICE RET 2010 TRUST F T. ROWE PRICE TRUST COMPANY · EIN 32-6199795 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| MORLEY STABLE VALUE FUND PRINCIPAL GLOBAL INVESTORS TRUST COMPANY · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| RELIANCE METLIFE SERIES 25053 C1 0 METLIFE STABLE VALUE · EIN 58-1428634 / PN 013 | Common Collective Trust | — | — | $0 | <0.1% |