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Original filing (PDF)20251013092752NAL0000927153001
CIVIL DESIGN, INC.
Form 5500
FILING_RECEIVED
CDI 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
144
Accounts w/ balance
138
Plan assets (EOY)
$12.2M
Net assets (EOY)
$12.2M
How this plan invests
This plan
1 pooled trust
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Participation health
100
Knocking points off
- 39 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CIVIL DESIGN, INC..
Plan sponsor
Name
CIVIL DESIGN, INC.
EIN
43-1743245
Address
5220 OAKLAND AVENUE · ST. LOUIS, MO · 63110
Phone
(314) 863-5570
Industry
Engineering Services· Professional & Technical Servicessee 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
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
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BRADY, MARTZ & ASSOCIATES, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LINCOLN NATIONAL CORPORATION | 35-1140070 | — | SERVICE PROVIDER | $48K | — |
Investments
34 direct securities · 1 pooled fund· $24.3M(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.
Pooled Separate Account
$12.1M
1 holding
Uncategorized
$10.4M
33 holdings
Pooled Separate Accounts
$1.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| LINCOLN LIFE SEPARATE ACCOUNT 4K LINCOLN NATIONAL LIFE INSURANCE CO · EIN 35-0472300 / PN 402 | Pooled Separate Account | — | — | $12.1M | 99.5% | |
| American Funds American Balanced Fund® Class R-6 Mutual Fund | Pooled Separate Accounts | — | — | $1.7M | 14.3% | |
| American Funds 2040 Target Date Retirement Fund ® Mutual Fund | — | — | — | $1.6M | 13.1% | |
| American Funds 2030 Target Date Retirement Fund ® Mutual Fund | — | — | — | $1.4M | 11.5% | |
| American Funds 2050 Target Date Retirement Fund ® Mutual Fund | — | — | — | $1.3M | 10.3% | |
| PIMCO International Bond Fund Institutional Class Mutual Fund ** 111 Vanguard 500 Index Fund Admiral Class Mutual Fund | — | — | — | $1.2M | 9.7% | |
| MFS® Growth Fund Class R6 Mutual Fund | — | — | — | $688K | 5.6% | |
| Vanguard Selected Value Fund Investor Shares Mutual Fund | — | — | — | $476K | 3.9% | |
| American Funds 2035 Target Date Retirement Fund ® Mutual Fund | — | — | — | $442K | 3.6% | |
| Invesco Diversified Dividend Fund Class R6 Mutual Fund | — | — | — | $421K | 3.5% | |
| American Funds 2060 Target Date Retirement Fund ® Mutual Fund | — | — | — | $371K | 3.0% | |
| American Funds 2020 Target Date Retirement Fund ® Mutual Fund | — | — | — | $341K | 2.8% | |
| American Funds 2055 Target Date Retirement Fund ® Mutual Fund | — | — | — | $338K | 2.8% | |
| PGIM Jennison Small Company Fund Class R6 Mutual Fund | — | — | — | $280K | 2.3% | |
| Investco Oppenheimer International Growth Fund Mutual Fund | — | — | — | $269K | 2.2% | |
| DFA U.S. Small Cap Value Portfolio Institutional Class Mutual Fund | — | — | — | $227K | 1.9% | |
| American Funds New World Fund ® Class R-6 Mutual Fund | — | — | — | $180K | 1.5% | |
| American Funds 2065 Target Date Retirement Fund ® Mutual Fund | — | — | — | $118K | 1.0% | |
| Baird Aggregate Bond Institutional Class Mutual Fund | — | — | — | $116K | 0.9% | |
| American Funds 2045 Target Date Retirement Fund ® Mutual Fund | — | — | — | $96K | 0.8% | |
| American Funds 2010 Target Date Retirement Fund ® Mutual Fund | — | — | — | $75K | 0.6% | |
| MFS® Mid Cap Growth Fund Class R6 Mutual Fund | — | — | — | $73K | 0.6% | |
| American Funds International Growth and Income Fund® Class R-6 Mutual Fund | — | — | — | $72K | 0.6% | |
| Vanguard Dividend Growth Mutual Fund | — | — | — | $63K | 0.5% | |
| Federated Hermes Government Ultrashort Duration Fund Mutual Fund | — | — | — | $56K | 0.5% | |
| American Funds Capital World Growth and Income Fund ® Class R-6 Mutual Fund | — | — | — | $54K | 0.4% | |
| American Funds 2025 Target Date Retirement Fund ® Mutual Fund | — | — | — | $48K | 0.4% | |
| Lincoln National Life Guaranteed Stable Value Account Guaranteed Stable Value Account | — | — | — | $40K | 0.3% | |
| Vanguard Real Estate Index Fund Admiral Shares Mutual Fund | — | — | — | $38K | 0.3% | |
| Vanguard International Value Fund Investor Shares Mutual Fund | — | — | — | $37K | 0.3% | |
| Vanguard Inflation-Protected Securities Fund Mutual Fund | — | — | — | $26K | 0.2% | |
| Eaton Vance Income Fund of Boston Class R6 Mutual Fund | — | — | — | $22K | 0.2% | |
| PIMCO Income Fund Institutional Class Mutual Fund | — | — | — | $21K | 0.2% | |
| American Funds 2070 Target Date Retirement Fund ® Mutual Fund | — | — | — | $3K | <0.1% | |
| PIMCO CommodityRealReturn Strategy Fund Institutional Class Mutual Fund | — | — | — | $2K | <0.1% |
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