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Original filing (PDF)20250718064150NAL0001275873001
SOIL AND MATERIALS ENGINEERS, INC.
Form 5500
FILING_RECEIVED
SME EMPLOYEES' SAVINGS PLAN AND TRUST
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
349
Accounts w/ balance
434
Plan assets (EOY)
$83.5M
Net assets (EOY)
$83.5M
How this plan invests
This plan
3 pooled trusts
Schedule D
33 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
85
Concentration risk
100
Total plan cost
75
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
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 SOIL AND MATERIALS ENGINEERS, INC..
Plan sponsor
Name
SOIL AND MATERIALS ENGINEERS, INC.
EIN
38-1738670
Address
THE KRAMER BUILDING · 43980 PLYMOUTH OAKS BLVD. · PLYMOUTH, MI · 48170
Phone
(734) 454-9900
Industry
Engineering Services· Professional & Technical Servicessee 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
2025-07-18
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | -$92K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS LLC | 26-0058143 | — | ADVISOR | $58K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $19K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
32 direct securities · 3 pooled funds· $83.7M(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.
Uncategorized
$80.6M
32 holdings
Common Collective Trust
$3.1M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Contrafund | — | — | — | $11.0M | 13.1% | |
| Fidelity Self-directed brokerage accounts | — | — | — | $9.3M | 11.1% | |
| Fidelity 500 Index Fund | — | — | — | $7.8M | 9.4% | |
| Fidelity Freedom 2040 Fund - Class K | — | — | — | $4.6M | 5.5% | |
| Fidelity Freedom 2025 Fund - Class K | — | — | — | $4.1M | 4.9% | |
| Fidelity Freedom 2045 Fund - Class K | — | — | — | $3.9M | 4.7% | |
| MFS International Intrinsic Value Fund Class R3 | — | — | — | $3.9M | 4.6% | |
| Fidelity Freedom 2055 Fund - Class K | — | — | — | $3.4M | 4.0% | |
| Vanguard Growth Index Fund Admiral Shares | — | — | — | $3.0M | 3.5% | |
| Vanguard Value Index Fund Admiral Shares | — | — | — | $2.8M | 3.3% | |
| Fidelity Freedom 2030 Fund - Class K | — | — | — | $2.6M | 3.1% | |
| Fidelity Freedom 2050 Fund - Class K | — | — | — | $2.6M | 3.1% | |
| Fidelity Freedom 2060 Fund - Class K | — | — | — | $2.4M | 2.8% | |
| Fidelity Freedom 2035 Fund - Class K | — | — | — | $2.0M | 2.5% | |
| Fidelity Galliard Stable Return Fund | — | — | — | $2.0M | 2.4% | |
| GALLIARD STBLE RTN E WELLS FARGO BANK, N.A. · EIN 52-2250951 / PN 001 | Common Collective Trust | — | — | $2.0M | 2.4% | |
| Fidelity Balanced Fund | — | — | — | $2.0M | 2.4% | |
| Fidelity T. Rowe Price Institutional Mid-Cap Equity Growth Fund | — | — | — | $1.6M | 2.0% | |
| Vanguard Total International Stock Index Fund Admiral Shares | — | — | — | $1.5M | 1.8% | |
| T. Rowe Price Integrated US Small-Cap Growth Equity Fund | — | — | — | $1.5M | 1.8% | |
| Fidelity US Bond Index Fund | — | — | — | $1.4M | 1.7% | |
| Fidelity Low-Priced Stock Fund | — | — | — | $1.4M | 1.7% | |
| Fidelity Extended Market Index Fund | — | — | — | $1.4M | 1.6% | |
| FIAM CORE PLUS CL I FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 052 | Common Collective Trust | — | — | $1.1M | 1.3% | |
| JPMorgan Mid Cap Value Fund Class L | — | — | — | $972K | 1.2% | |
| Fidelity Small Cap Value Fund Investor | — | — | — | $845K | 1.0% | |
| Fidelity Strategic Income Fund | — | — | — | $588K | 0.7% | |
| Fidelity Freedom 2065 Fund - Class K | — | — | — | $571K | 0.7% | |
| 10.50 percent - | — | — | — | $556K | 0.7% | |
| Vanguard Inflation-Protected Securities Fund Admiral Shares | — | — | — | $393K | 0.5% | |
| BlackRock Equity Dividend Fund Institutional Shares | — | — | — | $326K | 0.4% | |
| Fidelity Freedom 2020 Fund - Class K | — | — | — | $309K | 0.4% | |
| Fidelity Freedom 2070 Fund - Class K * 757 Fidelity Government Money Market | — | — | — | $54K | <0.1% | |
| Fidelity Freedom Income Fund - Class K | — | — | — | $5K | <0.1% | |
| GALLIARD STBLE RTN C WELLS FARGO BANK, N.A. · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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