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Original filing (PDF)20251013143255NAL0002197072001
GARNEY HOLDING COMPANY
Form 5500
FILING_RECEIVED
GARNEY HOLDING COMPANY EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST
401(k) retirement plan
Signals · 2
66% in single holding66% employer stock
Active participants
2,390
Accounts w/ balance
2,582
Plan assets (EOY)
$1.7B
Net assets (EOY)
$1.7B
How this plan invests
This plan
1 pooled trust
Schedule D
49 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
50
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Garney Holding Company Investment in GHC Class A common stock (restricted transferability)" is 66% of plan.
- 66% of plan in employer / sponsor stock.
Helping the score
- Below-peer total fees (2 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GARNEY HOLDING COMPANY.
Plan sponsor
Name
GARNEY HOLDING COMPANY
EIN
43-0990829
Address
1700 SWIFT ST STE 200 · NORTH KANSAS CITY, MO · 64116
Phone
(816) 741-4600
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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2I · Stock bonus
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2Q · S-corporation ESOP
2S · Automatic enrollment
3H · Sponsor in controlled / affiliated group
3I · Requires investment in employer securities
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VANGUARD GROUP, INC. | 23-1945930 | — | RECORDKEEPER/BOOKKEEPER | $269K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RESOURCE INVESTMENT ADVISORS | 43-1451524 | — | CONSULTANT | $68K | — |
| ONEDIGITAL | 82-1434504 | — | INVESTMENT ADVISORY | $40K | — |
| CHARLES SCHWAB | 94-1737782 | — | CONSULTANT | $345 | — |
Investments
42 direct securities · 1 pooled fund· $1.6B(95% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$1.6B
42 holdings
Common Collective Trust
$8.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Garney Holding Company Investment in GHC Class A common stock (restricted transferability) | — | — | $22.4M | $1.1B | 65.6% | |
| Commerce Bank Cash, interest-bearing | — | — | $71.8M | $71.8M | 4.3% | |
| Vanguard Target Retire 2035 Trust II Mutual Fund | — | — | — | $51.7M | 3.1% | |
| Vanguard Target Retire 2040 Trust II Mutual Fund | — | — | — | $45.9M | 2.8% | |
| U.S. Treasury Bills DI, 1/16/28 United States Treasury Bill | — | — | $42.6M | $42.5M | 2.5% | |
| Vanguard Target Retire 2030 Trust II Mutual Fund | — | — | — | $26.9M | 1.6% | |
| Vanguard Target Retire 2050 Trust II Mutual Fund | — | — | — | $22.1M | 1.3% | |
| Vanguard Target Retire 2045 Trust II Mutual Fund | — | — | — | $21.6M | 1.3% | |
| U.S. Treasury Bills DI, 1/16/27 United States Treasury Bill | — | — | $21.3M | $21.3M | 1.3% | |
| Vanguard Target Retire 2055 Trust II Mutual Fund | — | — | — | $19.3M | 1.2% | |
| U.S. Treasury Bills DI, 1/16/25 United States Treasury Bill | — | — | $14.7M | $15.0M | 0.9% | |
| U.S. Treasury Bills DI, 1/16/30 United States Treasury Bill | — | — | $14.8M | $14.7M | 0.9% | |
| U.S. Treasury Bills DI, 1/16/32 United States Treasury Bill | — | — | $14.8M | $14.7M | 0.9% | |
| Vanguard Target Retire 2060 Trust II Mutual Fund | — | — | — | $13.0M | 0.8% | |
| Vanguard Target Retire 2025 Trust II Mutual Fund | — | — | — | $10.7M | 0.6% | |
| Vanguard Total Stock Mkt Idx Inst Mutual Fund | — | — | $9.1M | $10.0M | 0.6% | |
| Vanguard Total Stk Mkt Idx Adm Mutual Fund | — | — | — | $9.3M | 0.6% | |
| VANGUARD RETIREMENT SAVINGS TR VANGUARD FIDUCIARY TRUST CO · EIN 45-5543642 / PN 022 | Common Collective Trust | — | — | $8.6M | 0.5% | |
| Vanguard Total Intl Stock Ix Inst Mutual Fund | — | — | $6.9M | $7.5M | 0.4% | |
| U.S. Treasury Bills DI, 1/16/31 United States Treasury Bill | — | — | $6.6M | $6.5M | 0.4% | |
| U.S. Treasury Bills DI, 1/16/35 United States Treasury Bill | — | — | $6.6M | $6.5M | 0.4% | |
| Vanguard Target Retire 2020 Trust II Mutual Fund | — | — | — | $6.5M | 0.4% | |
| Pimco Total Return Bond Mutual Fund | — | — | — | $6.4M | 0.4% | |
| 9.5% with maturities through 2030 | — | — | — | $5.5M | 0.3% | |
| Vanguard Target Retire 2065 Trust II Mutual Fund | — | — | — | $4.2M | 0.3% | |
| Vanguard Md-Cap Index Fund Adm Mutual Fund | — | — | — | $4.0M | 0.2% | |
| Principal BC EQ FD CL R Mutual Fund | — | — | — | $2.9M | 0.2% | |
| Pgim Total Return Bond R6 Mutual Fund | — | — | — | $2.7M | 0.2% | |
| Vanguard Total Bond Mkt Index Adm Mutual Fund | — | — | $2.5M | $2.5M | 0.1% | |
| Vanguard S-T Invest-GR ADM Mutual Fund | — | — | — | $2.5M | 0.1% | |
| Vanguard Total Intl Stk Index Adm Mutual Fund | — | — | — | $2.3M | 0.1% | |
| Vanguard Sm-Cap Value Index Adm Mutual Fund | — | — | — | $2.3M | 0.1% | |
| Vanguard Total Intl Bond Ix Admiral Mutual Fund | — | — | $2.2M | $2.3M | 0.1% | |
| Windsor II Fund Adm Mutual Fund | — | — | — | $2.1M | 0.1% | |
| Vanguard Inter-Term Invest-Gr Adm Mutual Fund | — | — | $1.7M | $1.8M | 0.1% | |
| Janus Triton Fund Class N Mutual Fund | — | — | — | $1.5M | <0.1% | |
| Vanguard SM-CAP Index Fund ADM Mutual Fund | — | — | — | $1.4M | <0.1% | |
| Vanguard Target Retire Income Trust II Mutual Fund | — | — | — | $1.2M | <0.1% | |
| Vanguard Short-Term Invest-Gr Adm Mutual Fund | — | — | $999K | $1.0M | <0.1% | |
| Victory Syc Establ Val I Mutual Fund | — | — | — | $726K | <0.1% | |
| Carillon Eagle Mid Cap Grw R5 Mutual Fund | — | — | — | $522K | <0.1% | |
| Vanguard Tgt Re 2070 Trust II Mutual Fund | — | — | — | $252K | <0.1% | |
| Cash Reserves Federal MM Adm Money Market | — | — | — | $65K | <0.1% |