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Original filing (PDF)20251010101048NAL0012290784001
S. J. LOUIS CONSTRUCTION, INC
Form 5500
FILING_RECEIVED
S.J. LOUIS CONSTRUCTION, INC. RETIREMENT SAVINGS PLAN
Defined-contribution retirement plan
Active participants
392
Accounts w/ balance
212
Plan assets (EOY)
$13.9M
Net assets (EOY)
$13.9M
How this plan invests
This plan
16 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
80
Knocking points off
- 35 bps in Schedule C fees — modestly above peer band of 29 bps.
- 54% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for S. J. LOUIS CONSTRUCTION, INC.
Plan sponsor
Name
S. J. LOUIS CONSTRUCTION, INC
EIN
41-1440589
Address
1351 BROADWAY ST W · COLD SPRING, MN · 56320
Phone
(320) 253-9291
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
2025-10-10
Pension benefit codes
2A · Age/service weighted or new comparability
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
ABDO
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 | $14K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING HOLDCO LLC DBA CR | — | OVERLAND PARK, KS | INVESTMENT ADVISOR | $32K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $3K | — |
Investments
12 direct securities · 16 pooled funds· $13.9M(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
$11.8M
16 holdings
Uncategorized
$2.1M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| INDEXSELECT MODERATE 2035 FUND CL R GREAT GRAY · EIN 81-4457845 / PN 307 | Common Collective Trust | — | — | $3.2M | 23.2% | |
| INDEXSELECT MODERATE RETIRE FUND CL GREAT GRAY · EIN 81-4430771 / PN 305 | Common Collective Trust | — | — | $2.7M | 19.3% | |
| INDEXSELECT MODERATE 2045 FUND CL R GREAT GRAY · EIN 81-4470950 / PN 308 | Common Collective Trust | — | — | $2.2M | 16.1% | |
| INDEXSELECT MODERATE 2055 FUND CL R GREAT GRAY · EIN 81-4484368 / PN 309 | Common Collective Trust | — | — | $1.9M | 13.6% | |
| VANGUARD 500 INDEX ADMIRAL Mutual Fund | — | — | — | $883K | 6.4% | |
| INDEXSELECT AGGRESSIVE 2055 FUND CL GREAT GRAY · EIN 81-4418048 / PN 304 | Common Collective Trust | — | — | $311K | 2.2% | |
| MORLEY STABLE VALUE CL 25 - I MORLEY STABLE VALUE FUND · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $307K | 2.2% | |
| LARGE CAP GROWTH FUND II FEE CLASS GREAT GRAY · EIN 31-4139848 / PN 626 | Common Collective Trust | — | — | $252K | 1.8% | |
| VANGUARD MID-CAP GROWTH INDEX ADMIRAL Mutual Fund | — | — | — | $230K | 1.7% | |
| INDEXSELECT AGGRESSIVE 2045 FUND CL GREAT GRAY · EIN 81-4403657 / PN 303 | Common Collective Trust | — | — | $177K | 1.3% | |
| INDEXSELECT CONSERVATIVE 2045 FUND GREAT GRAY · EIN 81-4532033 / PN 313 | Common Collective Trust | — | — | $166K | 1.2% | |
| VANGUARD TOTAL BOND MARKET INDEX ADMIRAL Mutual Fund | — | — | — | $159K | 1.1% | |
| FIDELITY SMALL CAP INDEX Mutual Fund | — | — | — | $155K | 1.1% | |
| Interest Identity of issue Description of investment Basis Value AMERICAN FUNDS NEW PERSPECTIVE R6 Mutual Fund | — | — | — | $148K | 1.1% | |
| INDEXSELECT AGGRESSIVE 2035 FUND CL GREAT GRAY · EIN 81-4393238 / PN 302 | Common Collective Trust | — | — | $143K | 1.0% | |
| INDEXSELECT MOD 2065 FUND CLASS R6 GREAT GRAY · EIN 38-7275306 / PN 775 | Common Collective Trust | — | — | $130K | 0.9% | |
| FIDELITY INTERNATIONAL INDEX Mutual Fund | — | — | — | $114K | 0.8% | |
| DFA REAL ESTATE SECURITIES I Mutual Fund | — | — | — | $100K | 0.7% | |
| FIDELITY MID CAP INDEX Mutual Fund | — | — | — | $81K | 0.6% | |
| INDEXSELECT CONSERVATIVE RET FUND C GREAT GRAY · EIN 81-4499160 / PN 310 | Common Collective Trust | — | — | $80K | 0.6% | |
| INDEXSELECT CONSERVATIVE 2035 FUND GREAT GRAY · EIN 81-4515825 / PN 312 | Common Collective Trust | — | — | $78K | 0.6% | |
| MFS INTERNATIONAL DIVERSIFICATION R4 Mutual Fund | — | — | — | $72K | 0.5% | |
| INDEXSELECT CONSERVATIVE 2055 FUND GREAT GRAY · EIN 81-4543855 / PN 314 | Common Collective Trust | — | — | $64K | 0.5% | |
| MFS VALUE R6 Mutual Fund | — | — | — | $63K | 0.5% | |
| SMALL CAP VALUE FUND FEE CLASS R1 GREAT GRAY · EIN 38-4097325 / PN 488 | Common Collective Trust | — | — | $52K | 0.4% | |
| VANGUARD SMALL CAP GROWTH INDEX ADMIRAL Mutual Fund | — | — | — | $45K | 0.3% | |
| VANGUARD MID-CAP VALUE INDEX ADMIRAL Mutual Fund | — | — | — | $42K | 0.3% | |
| INDEXSELECT MODERATE 2025 FUND CL R GREAT GRAY · EIN 81-4447624 / PN 306 | Common Collective Trust | — | — | $0 | <0.1% |
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