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Original filing (PDF)20251014110832NAL0005557810001
VECTOR CONSTRUCTION, INC.
Form 5500
FILING_RECEIVED
VECTOR 401(K) PLAN AND TRUST
401(k) retirement plan
Signals · 1
~81 bps in Sched C fees
Active participants
87
Accounts w/ balance
137
Plan assets (EOY)
$7.1M
Net assets (EOY)
$7.1M
How this plan invests
This plan
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 81 bps in Schedule C fees — 56% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VECTOR CONSTRUCTION, INC..
Plan sponsor
Name
VECTOR CONSTRUCTION, INC.
EIN
45-0436236
Address
2504 MAIN AVENUE WEST · WEST FARGO, ND · 58078
Phone
(800) 665-6680
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
2025-10-14
Pension benefit codes
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
JONES, NALE & MATTINGLY PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| DEFINITI | 85-0833363 | THE WOODLANDS, TX | RECORDKEEPER | $38K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WATER VALLEY INVESTMENT ADVISORS, I | 74-2868680 | NAPERVILLE, IL | INVESTMENT PROFESSIONAL | $20K | — |
Investments
34 direct securities· $7.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Fd Mutual Fund | — | — | — | $1.7M | 24.0% | |
| Vanguard Target Retirement 2050 Fd Mutual Fund | — | — | — | $580K | 8.1% | |
| Oakmark Select Fund Inv Mutual Fund | — | — | — | $454K | 6.4% | |
| Harbor Capital Appreciation Fd Inst Mutual Fund | — | — | — | $365K | 5.1% | |
| Lazard International Strategic Eq Pt Mutual Fund | — | — | — | $338K | 4.7% | |
| Touchstone Sands Capital Select Gr I Mutual Fund | — | — | — | $305K | 4.3% | |
| Vanguard Target Retirement 2030 Fd Mutual Fund | — | — | — | $293K | 4.1% | |
| FMI Large Cap Fund Mutual Fund | — | — | — | $258K | 3.6% | |
| Guggenheim Total Return Bd Inst Mutual Fund | — | — | — | $237K | 3.3% | |
| Clipper Large Blend Fund Mutual Fund | — | — | — | $210K | 2.9% | |
| Artisan Value Investor Mutual Fund | — | — | — | $195K | 2.7% | |
| Vanguard Target Retirement 2020 Fd Mutual Fund | — | — | — | $192K | 2.7% | |
| Oakmark Intl Fd Inst Mutual Fund | — | — | — | $188K | 2.6% | |
| Vanguard Target Retirement 2060 Fund Mutual Fund ** 797 * Outstanding Loan Balance Participant Loans*** | — | — | — | $185K | 2.6% | |
| Schwab Bank Savings Interest Bearing Cash | — | — | — | $177K | 2.5% | |
| Polen Intl Growth Inst Mutual Fund | — | — | — | $169K | 2.4% | |
| Oakmark Global Fund Inv Mutual Fund | — | — | — | $152K | 2.1% | |
| Doubleline Total Returnbd Fd Cl I Mutual Fund | — | — | — | $147K | 2.1% | |
| Segall Bryant & Hamill Scap Val Inst Mutual Fund | — | — | — | $140K | 2.0% | |
| DF Dent Sml Cap Grwth Institut Mutual Fund | — | — | — | $136K | 1.9% | |
| Baron Emrg Mkts Fd Inst Mutual Fund | — | — | — | $136K | 1.9% | |
| Brandes Emerging Markets Value I Mutual Fund | — | — | — | $127K | 1.8% | |
| Osterweis Strategic Income Fund Mutual Fund | — | — | — | $69K | 1.0% | |
| Guggenheim Macro Oppty Inst Mutual Fund | — | — | — | $69K | 1.0% | |
| Pimco Trends Mgd Fut Strat Inst Mutual Fund | — | — | — | $59K | 0.8% | |
| Alphasimplex Mgd Futures Strat Mutual Fund | — | — | — | $47K | 0.7% | |
| Baron Select Funds Intl Grw Instit Mutual Fund ** 50 BBH Income I Mutual Fund | — | — | — | $44K | 0.6% | |
| Parametric Emerging Markets Fd Cl I Mutual Fund | — | — | — | $41K | 0.6% | |
| AQR Diversified Arbitrage I Mutual Fund | — | — | — | $27K | 0.4% | |
| Vanguard Emrg Mkts Stk Index Fd Adm Mutual Fund | — | — | — | $18K | 0.3% | |
| Vanguard European Stock Admiral Mutual Fund | — | — | — | $18K | 0.3% | |
| Cove Street Capital Sm Cap Val Inst Mutual Fund | — | — | — | $15K | 0.2% | |
| Hennessy Cornerstone Mid Cap 30 Inst Mutual Fund | — | — | — | $14K | 0.2% | |
| Loomis Sayles Bond Cl I Mutual Fund | — | — | — | $13K | 0.2% |
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