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Original filing (PDF)20250929065104NAL0017446482001
J-BERD MECHANICAL CONTRACTORS, INC.
Form 5500
FILING_RECEIVED
J-BERD MECHANICAL CONTRACTORS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
29% in single holding
Active participants
736
Accounts w/ balance
736
Plan assets (EOY)
$87.1M
Net assets (EOY)
$87.1M
How this plan invests
This plan
20 pooled trusts
Schedule D
32 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
85
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "AST Wilmington Trust FlexPATH Index Moderate 2055 R1" is 29% of plan.
- 23 bps in Schedule C fees — modestly above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for J-BERD MECHANICAL CONTRACTORS, INC..
Plan sponsor
Name
J-BERD MECHANICAL CONTRACTORS, INC.
EIN
41-1716695
Address
1 INDUSTRIAL BLVD · SAUK RAPIDS, MN · 56379
Phone
(320) 656-0847
Industry
Plumbing, Heating, AC Contractors· 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
2025-09-29
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
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
ABDO LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $121K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | — | SAN RAFAEL, CA | INVESTMENT ADVISOR | $38K | — |
| WEALTH ADVISORY SERVICES LL | — | JOLIET, IL | INVESTMENT ADVISOR | $12K | — |
| CREATIVE PLANNING HOLDCO LLC | — | OVERLAND PARKS, KS | INVESTMENT ADVISOR | $5K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS HOLDINGS INC | — | SAN DIEGO, CA | CONTRACT ADMIN | $28K | — |
Investments
15 direct securities · 20 pooled funds· $87.1M(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
$78.3M
20 holdings
Uncategorized
$8.8M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FLEXPATH INDEX MODERATE 2055 R1 AST WILMINGTON TRUST · EIN 47-2563528 / PN 223 | Common Collective Trust | — | — | $25.7M | 29.5% | |
| FLEXPATH INDEX MODERATE 2045 R1 AST WILMINGTON TRUST · EIN 47-2516187 / PN 220 | Common Collective Trust | — | — | $25.0M | 28.7% | |
| FLEXPATH INDEX MODERATE 2065 R1 AST WILMINGTON TRUST · EIN 38-7271379 / PN 760 | Common Collective Trust | — | — | $8.5M | 9.7% | |
| FLEXPATH INDEX MODERATE 2035 R1 AST WILMINGTON TRUST · EIN 47-2478524 / PN 217 | Common Collective Trust | — | — | $7.2M | 8.3% | |
| FLEXPATH INDEX AGGRESSIVE 2055 R1 AST WILMINGTON TRUST · EIN 47-2554270 / PN 222 | Common Collective Trust | — | — | $3.7M | 4.3% | |
| Fidelity 500 index | — | — | — | $3.0M | 3.4% | |
| FLEXPATH INDEX MODERATE RETIRE R1 AST WILMINGTON TRUST · EIN 47-2248665 / PN 211 | Common Collective Trust | — | — | $2.2M | 2.5% | |
| FLEXPATH INDEX AGGRESSIVE 2045 R1 AST WILMINGTON TRUST · EIN 47-2503540 / PN 219 | Common Collective Trust | — | — | $2.1M | 2.4% | |
| LARGE CAP GROWTH FUND III CLASS R1 GREAT GRAY · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $2.1M | 2.4% | |
| Various maturities through June 2047 - | — | — | — | $1.3M | 1.5% | |
| Fidelity Small Cap Index | — | — | — | $985K | 1.1% | |
| Fidelity Mid Cap Index | — | — | — | $933K | 1.1% | |
| FLEXPATH INDEX AGGRESSIVE 2035 R1 AST WILMINGTON TRUST · EIN 47-2468898 / PN 216 | Common Collective Trust | — | — | $485K | 0.6% | |
| Fidelity US Bond Index | — | — | — | $467K | 0.5% | |
| Fidelity International Index | — | — | — | $408K | 0.5% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GRAY TRUST COMPANY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $392K | 0.4% | |
| Group annuity contract * Empower Annuity Insurance Company of America Key Guaranteed Portfolio Fund | — | — | — | $356K | 0.4% | |
| FLEXPATH INDEX CONSERVATIVE 2035 R1 AST WILMINGTON TRUST · EIN 47-2491300 / PN 218 | Common Collective Trust | — | — | $325K | 0.4% | |
| Dimensional Fund Advisors DFA Emerging Markets I | — | — | — | $320K | 0.4% | |
| Hartford Intl Opportunities R5 | — | — | — | $276K | 0.3% | |
| Dimensional Fund Advisors DFA US Targeted Value I | — | — | — | $269K | 0.3% | |
| Voya Intermediate Bond I | — | — | — | $223K | 0.3% | |
| FLEXPATH INDEX CONSERVATIVE 2045 R1 AST WILMINGTON TRUST · EIN 47-2529162 / PN 221 | Common Collective Trust | — | — | $200K | 0.2% | |
| SMALL CAP GROWTH FUND CLASS R1 AST WILMINGTON TRUST · EIN 38-4097324 / PN 487 | Common Collective Trust | — | — | $187K | 0.2% | |
| Victory Capital Victory Trivalent International SM-CP I | — | — | — | $158K | 0.2% | |
| FLEXPATH INDEX CONSERVATIVE 2055 R1 AST WILMINGTON TRUST · EIN 47-2575758 / PN 224 | Common Collective Trust | — | — | $138K | 0.2% | |
| Registered investment companies Cohen & Steers Cohen & Steers Real Estate Securities | — | — | — | $59K | <0.1% | |
| FLEXPATH INDEX AGG 2065 FUND CL R1 GREAT GRAY TRUST COMPANY · EIN 38-7271378 / PN 759 | Common Collective Trust | — | — | $49K | <0.1% | |
| FLEXPATH INDEX AGGRESSIVE RETIRE R1 AST WILMINGTON TRUST · EIN 47-2238264 / PN 210 | Common Collective Trust | — | — | $43K | <0.1% | |
| PGIM High-Yield R6 | — | — | — | $16K | <0.1% | |
| FLEXPATH INDEX CONSERVATIVE 2065 R1 GREAT GRAY · EIN 38-7271380 / PN 761 | Common Collective Trust | — | — | $16K | <0.1% | |
| PIMCO Int Bond (USD - Hedged) Inst | — | — | — | $6K | <0.1% | |
| FLEXPATH INDEX MODERATE 2025 R1 AST WILMINGTON TRUST · EIN 47-2285799 / PN 214 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX AGGRESSIVE 2025 R1 AST WILMINGTON TRUST · EIN 47-2275031 / PN 213 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX CONSERVATIVE RETIRE AST WILMINGTON TRUST · EIN 47-2264760 / PN 212 | Common Collective Trust | — | — | $0 | <0.1% |
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