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Original filing (PDF)20250808152232NAL0002690115001
SCULL CONSTRUCTION SERVICE, INC.
Form 5500
FILING_RECEIVED
SCULL CONSTRUCTION 401(K) SAVINGS PLAN
401(k) retirement plan
Active participants
200
Accounts w/ balance
122
Plan assets (EOY)
$8.2M
Net assets (EOY)
$8.2M
How this plan invests
This plan
1 pooled trust
Schedule D
31 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
100
Total plan cost
80
Vendor stack
100
Participation health
80
Knocking points off
- 65 bps in Schedule C fees — modestly above peer band of 52 bps.
- 61% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SCULL CONSTRUCTION SERVICE, INC..
Plan sponsor
Name
SCULL CONSTRUCTION SERVICE, INC.
EIN
46-0386588
Address
PERSONAL AND CONFIDENTIAL 803 INDUS · RAPID CITY, SD · 577020337
Phone
(605) 342-2379
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
2025-08-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KETEL THORSTENSEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $30K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RAYMOND JAMES | — | ST PETERSBURG, FL | INVESTMENT ADVISOR | $23K | — |
Investments
31 direct securities · 1 pooled fund· $16.4M(100% 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
$8.2M
30 holdings
Pooled Separate Account
$8.1M
1 holding
Guaranteed Income / GIC
$32K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT SCAI MASSMUTUAL LIFE INSURANCE CO. · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $8.1M | 99.2% | |
| Great Gray Trust Company Mywayretirement Index 2030 Class R | — | — | — | $1.1M | 14.0% | |
| Great Gray Trust Company Mywayretirement Index Retirement Class R | — | — | — | $1.0M | 12.5% | |
| Great Gray Trust Company Mywayretirement Index 2045 Class R | — | — | — | $898K | 10.9% | |
| Great Gray Trust Company Mywayretirement Index 2035 Class R | — | — | — | $775K | 9.4% | |
| Great Gray Trust Company Mywayretirement Index 2040 Class R | — | — | — | $746K | 9.1% | |
| BlackRock Equity Index Class 1 | — | — | — | $680K | 8.3% | |
| Great Gray Trust Company Mywayretirement Index 2055 Class R | — | — | — | $491K | 6.0% | |
| BlackRock Russell 2000 Index Class R | — | — | — | $424K | 5.2% | |
| BlackRock Mid Cap Equity Index Class 1 | — | — | — | $417K | 5.1% | |
| Great Gray Trust Company Mywayretirement Large Cap Growth Class R | — | — | — | $260K | 3.2% | |
| BlackRock EAFE Equity Index Class R | — | — | — | $250K | 3.0% | |
| Great Gray Trust Company Mywayretirement Index 2050 Class R | — | — | — | $233K | 2.8% | |
| Great Gray Trust Company Mywayretirement Large Cap Value Class R | — | — | — | $166K | 2.0% | |
| Great Gray Trust Company Mywayretirement Small Cap Growth Class R | — | — | — | $127K | 1.6% | |
| Great Gray Trust Company Mywayretirement Index 2060 Class R | — | — | — | $74K | 0.9% | |
| Great Gray Trust Company Mywayretirement Mid Cap Growth Class R | — | — | — | $65K | 0.8% | |
| Great Gray Trust Company Mywayretirement Mid Cap Value Class R | — | — | — | $64K | 0.8% | |
| Great Gray Trust Company Mywayretirement Small Cap Value Class R | — | — | — | $63K | 0.8% | |
| Great Gray Trust Company Mywayretirement Index 2065 Class R | — | — | — | $45K | 0.5% | |
| Great Gray Trust Company Mywayretirement Balanced Class R | — | — | — | $43K | 0.5% | |
| Great Gray Trust Company Mywayretirement International Value Class RJ | — | — | — | $34K | 0.4% | |
| * Empower Investments Guaranteed Interest Account | Guaranteed Income / GIC | — | — | $32K | 0.4% | |
| maturing August 2025 through April 2029 -0- | — | — | — | $31K | 0.4% | |
| BlackRock US Debt Index Class 1 | — | — | — | $30K | 0.4% | |
| Great Gray Trust Company Mywayretirement International Growth Class R | — | — | — | $22K | 0.3% | |
| Great Gray Trust Company Mywayretirement Multi-Sector Bond Class R | — | — | — | $19K | 0.2% | |
| Great Gray Trust Company Mywayretirement Global Bond Class R | — | — | — | $19K | 0.2% | |
| Great Gray Trust Company Mywayretirement Real Estate Class R | — | — | — | $10K | 0.1% | |
| Great Gray Trust Company Mywayretirement Emerging Markets Fund Class R | — | — | — | $7K | <0.1% | |
| Great Gray Trust Company Mywayretirement Core Bond Class R | — | — | — | $4K | <0.1% | |
| Great Gray Trust Company Mywayretirement Commodities Class R | — | — | — | $2K | <0.1% |
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