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Original filing (PDF)20251006142652NAL0006267312001
SEMCAC
Form 5500
FILING_RECEIVED
SEMCAC 401K PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
45% in single holding
Active participants
267
Accounts w/ balance
128
Plan assets (EOY)
$4.9M
Net assets (EOY)
$4.9M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
77
Total plan cost
100
Vendor stack
100
Participation health
65
Knocking points off
- Top holding "T. Rowe Price T Rowe Price Retirement 2030 I" is 45% of plan.
- Only 48% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SEMCAC.
Plan sponsor
Name
SEMCAC
EIN
41-0907135
Address
POB 549 204 S ELM ST · RUSHFORD, MN · 559710549
Phone
(507) 864-8210
Industry
Health Care & Social Assistancesee 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
2025-10-06
Pension benefit codes
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
BERGANKDV, LTD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $5K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC DBA | — | CLEVELAND, OH | INVESTMENT ADVISOR | $10K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BERGANKDV LTD | — | ST CLOUD, MN | AUDITOR | $5K | — |
Investments
28 direct securities· $4.9M(100% of reported assets)
Uncategorized
$4.9M
27 holdings
Mutual Funds
$56K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price T Rowe Price Retirement 2030 I | — | — | — | $2.2M | 45.4% | |
| T. Rowe Price T Rowe Price Retirement 2040 I | — | — | — | $596K | 12.1% | |
| Collective Trust Funds * EACIA Key Guaranteed Portfolio Fund | — | — | — | $238K | 4.8% | |
| Fidelity 500 Index | — | — | — | $205K | 4.1% | |
| T. Rowe Price T Rowe Price Retirement 2045 I | — | — | — | $204K | 4.1% | |
| T. Rowe Price T Rowe Price Retirement 2035 I | — | — | — | $184K | 3.7% | |
| T. Rowe Price T Rowe Price Retirement 2055 I | — | — | — | $152K | 3.1% | |
| Fidelity Contrafund | — | — | — | $133K | 2.7% | |
| Columbia Dividend Income Instl3 | — | — | — | $117K | 2.4% | |
| T. Rowe Price T Rowe Price Retirement 2020 I | — | — | — | $104K | 2.1% | |
| T. Rowe Price T Rowe Price Retirement 2025 I | — | — | — | $96K | 1.9% | |
| T. Rowe Price T Rowe Price Retirement 2050 I | — | — | — | $90K | 1.8% | |
| Fidelity International Cap App Z | — | — | — | $75K | 1.5% | |
| American Century Mid Cap Value R6 | — | — | — | $69K | 1.4% | |
| American Funds SMALLCAP World R6 | — | — | — | $61K | 1.2% | |
| T. Rowe Price T Rowe Price Retirement 2010 I | Mutual Funds | — | — | $56K | 1.1% | |
| Fidelity Small Cap Value Z | — | — | — | $47K | 1.0% | |
| MFS Mid Cap Growth R6 | — | — | — | $46K | 0.9% | |
| Baron Small Cap R6 | — | — | — | $45K | 0.9% | |
| TCW MetWest Total Return Bond Plan | — | — | — | $36K | 0.7% | |
| Calvert US Large Cap Core Rspnb Idx R6 | — | — | — | $36K | 0.7% | |
| Fidelity Mid Cap Index | — | — | — | $28K | 0.6% | |
| Fidelity Total International Index | — | — | — | $25K | 0.5% | |
| Fidelity Small Cap Index | — | — | — | $16K | 0.3% | |
| Calvert Balanced R6 | — | — | — | $15K | 0.3% | |
| Fidelity Strategic Income Z | — | — | — | $13K | 0.3% | |
| T. Rowe Price T Rowe Price Retirement 2015 I | — | — | — | $6K | 0.1% | |
| Fidelity Real Estate Index | — | — | — | $5K | <0.1% |
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