Back to filter
Original filing (PDF)20250718110643NAL0001600561001
MCC, INC.
Form 5500
FILING_RECEIVED
MCC, INC. 401(K) SALARY REDUCTION PLAN
401(k) retirement plan
Signals · 3
28% in single holding~184 bps in Sched C fees6 service providers
Active participants
102
Accounts w/ balance
163
Plan assets (EOY)
$8.2M
Net assets (EOY)
$8.2M
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)
88
/ 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
86
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "American Funds American Balanced R6 Fund Mutual Fund" is 28% of plan.
- 184 bps in Schedule C fees — 253% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MCC, INC..
Plan sponsor
Name
MCC, INC.
EIN
41-1737489
Address
7900 69TH AVENUE · GREENFIELD, MN · 55373
Phone
(763) 477-4774
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
2025-07-18
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
REDPATH AND COMPANY, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $33K | — |
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $33K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| USI ADVISORS INC | — | GLASTONBURY, CT | INVESTMENT ADVISOR | $23K | — |
| USI ADVISORS INC | — | GLASTONBURY, CT | INVESTMENT ADVISOR | $23K | — |
Investments
27 direct securities· $8.0M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Balanced R6 Fund Mutual Fund | — | — | — | $2.3M | 28.1% | |
| American Funds 2035 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $1.3M | 16.3% | |
| American Funds 2050 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $592K | 7.3% | |
| Guaranteed Interest Fund General Account | — | — | — | $591K | 7.2% | |
| American Funds Growth Fund of America R6 Fund Mutual Fund | — | — | — | $560K | 6.9% | |
| American Funds Capital World Guaranteed Interest R6 Fund Mutual Fund | — | — | — | $298K | 3.7% | |
| Vanguard 500 Index Fund - Admiral Shares Mutual Fund | — | — | — | $280K | 3.4% | |
| American Funds Fundamental Investors R6 Fund Mutual Fund | — | — | — | $252K | 3.1% | |
| Participant loans at 5.25%-10.50% | — | — | — | $236K | 2.9% | |
| American Funds Bond Fund of America R6 Fund Mutual Fund | — | — | — | $182K | 2.2% | |
| American Funds New Economy R6 Fund Mutual Fund | — | — | — | $169K | 2.1% | |
| American Funds Small Cap World R6 Fund Mutual Fund | — | — | — | $168K | 2.1% | |
| American Funds Investment Company of America R6 Fund Mutual Fund | — | — | — | $163K | 2.0% | |
| American Funds 2060 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $162K | 2.0% | |
| Vanguard Total International Stock Index - Admiral Shares Mutual Fund | — | — | — | $131K | 1.6% | |
| American Funds 2040 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $124K | 1.5% | |
| American Funds 2030 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $112K | 1.4% | |
| American Funds New Perspective R6 Fund Mutual Fund | — | — | — | $95K | 1.2% | |
| American Funds 2020 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $93K | 1.1% | |
| Vanguard Small Cap Index Fund - Admiral Shares Mutual Fund | — | — | — | $59K | 0.7% | |
| Vanguard Total Bond Market Index Fund - Admiral Shares Mutual Fund | — | — | — | $50K | 0.6% | |
| American Funds 2055 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $36K | 0.4% | |
| Vanguard Mid Cap Index Fund - Admiral Shares Mutual Fund | — | — | — | $24K | 0.3% | |
| Vanguard Total Stock Market Index Fund - Admiral Shares Mutual Fund | — | — | — | $15K | 0.2% | |
| American Funds Capital World Bond R6 Fund Mutual Fund | — | — | — | $10K | 0.1% | |
| DFA US Targeted Value I Fund Mutual Fund | — | — | — | $9K | 0.1% | |
| American Funds 2025 Target Date Retirement R6 Fund Mutual Fund | — | — | — | $3K | <0.1% |
Related plans
Other plans using EMPOWER ANNUITY INSURANCE COMPANY
SOUTHWEST AIRLINES CO.
SOUTHWEST AIRLINES CO. RETIREMENT SAVINGS PLAN
$17.0B · 74,221 participants
ABBVIE INC.
ABBVIE SAVINGS PLAN
$13.4B · 28,506 participants
ADVOCATE AURORA HEALTH, INC
ADVOCATE AURORA HEALTH 401(K) PLAN
$10.5B · 83,445 participants
BECHTEL GLOBAL CORPORATION
BECHTEL TRUST & THRIFT PLAN
$6.1B · 8,546 participants
BLOOMBERG L.P.
BLOOMBERG L.P. 401(K) PLAN
$5.7B · 14,853 participants
SCHNEIDER ELECTRIC HOLDINGS, INC.
SCHNEIDER ELECTRIC 401(K) PLAN
$5.1B · 20,597 participants
Similar-size Construction plans
LEDESMA & MEYER CONSTRUCTION COMPANY, INC.
LEDESMA & MEYER CONSTRUCTION CO., INC. 401(K) PROFIT SHARING PLAN
$8.1M · 44 participants
LONG FENCE & HOME, LLP
LONG FENCE & HOME, LLP 401K PROFIT SHARING PLAN & TRUST
$8.1M · 167 participants
LEWIS DEVELOPMENT CORPORATION
LEWIS DEVELOPMENT CORPORATION 401(K) PLAN
$8.2M · 41 participants
VAN DAM AND KRUSINGA BUILDING CONTRACTORS, INC.
VAN DAM AND KRUSINGA, INC. PROFIT SHARING PLAN
$8.1M · 64 participants
H.C. EMPLOYEES, LLC
HOME CREATIONS 401(K) PLAN
$8.3M · 121 participants
MICHAEL B AND KAREN M PALMIERI
MICHAEL B AND KAREN M PALMIERI 401(K) PROFIT SHARING PLAN & TRUST
$8.0M · 49 participants
Large plans in Minnesota
WELLS FARGO & COMPANY
WELLS FARGO & COMPANY 401(K) PLAN
$57.9B · 167,176 participants
UNITED HEALTHCARE SERVICES INC.
UNITEDHEALTH GROUP 401(K) SAVINGS PLAN MASTER TRUST
$31.0B
MINNESOTA LIFE INSURANCE COMPANY
MASTER SEPARATE ACCOUNT
$29.2B
UNITEDHEALTH GROUP INCORPORATED
UNITEDHEALTH GROUP 401(K) SAVINGS PLAN
$26.6B · 199,134 participants
TARGET CORPORATION
TARGET CORPORATION 401(K) PLAN
$14.4B · 427,999 participants
TARGET CORPORATION
TARGET CORPORATION 401(K) MASTER TRUST
$14.2B