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Original filing (PDF)20251031134744NAL0007514898001
PAULSEN, INC.
Form 5500
FILING_RECEIVED
PAULSEN, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
220
Accounts w/ balance
138
Plan assets (EOY)
$13.1M
Net assets (EOY)
$13.1M
How this plan invests
This plan
2 pooled trusts
Schedule D
59 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Vendor stack
80
Participation health
80
Knocking points off
- No recordkeeper disclosed on Schedule C.
- 63% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (6 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PAULSEN, INC..
Plan sponsor
Name
PAULSEN, INC.
EIN
47-0397153
Address
P.O. BOX 17 · COZAD, NE · 69130
Phone
(308) 784-3333
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-04-01
Tax period
2025-03-31
Filed
2025-10-31
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FRANKEL
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LUTZ FINANCIAL SERVICES LLC | 47-0828178 | — | INVESTMENT ADVISOR | $0 | — |
| VOYA RETIREMENT INS & ANNUITY CO | 71-0294708 | — | INVESTMENT ADVISOR | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| QUALIFIED PLAN CONSULTANTS, LLC | 20-0223513 | — | THIRD PARTY ADMIN | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT ADVISORS, LLC | 02-0488491 | — | SERVICE PROVIDER | $7K | — |
Investments
34 direct securities · 2 pooled funds· $26.2M(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.
Pooled Separate Account
$13.1M
2 holdings
Uncategorized
$13.1M
34 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MAP CONTRACT SEPARATE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $12.5M | 95.4% | |
| Voya Retirement Insurance and Annuity Company Vangrd 500 Index Fund Adm | — | — | — | $1.9M | 14.2% | |
| VRIAC Vanguard Growth Index Fund - Admiral Shares | — | — | — | $1.3M | 10.3% | |
| Voya Retirement Insurance and Annuity Company DFA Intl Core Eq 2-Inst | — | — | — | $1.3M | 10.2% | |
| Voya Retirement Insurance and Annuity Company MyCompass Ind Mod 2035 Fd R | — | — | — | $1.1M | 8.3% | |
| VRIAC MyCompass Index Conservative 2035 Fund - Class R | — | — | — | $866K | 6.6% | |
| Voya Retirement Insurance and Annuity Company DFA Emer Mkts Core Eq 2-Inst | — | — | — | $663K | 5.1% | |
| VRIAC Vanguard Value Index Fund - Admiral Shares | — | — | — | $644K | 4.9% | |
| FIXED ACCOUNT INVESTMENT FUNDS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $598K | 4.6% | |
| VRIAC MyCompass Index Moderate 2045 Fund - Class R | — | — | — | $576K | 4.4% | |
| VRIAC Vanguard Mid-Cap Index Fund - Admiral Shares | — | — | — | $508K | 3.9% | |
| VRIAC MyCompass Index Moderate Retirement Fund - Class R | — | — | — | $434K | 3.3% | |
| Voya Retirement Insurance and Annuity Company Vangrd Mid-Cap Vl Indx Fnd Adm | — | — | — | $318K | 2.4% | |
| VRIAC MyCompass Index Moderate 2055 Fund - Class R | — | — | — | $311K | 2.4% | |
| VRIAC Core Plus Bond Fund - Fee Class R1 | — | — | — | $309K | 2.4% | |
| VRIAC BlackRock U.S. Debt Index Fund - Fee Class 1 | — | — | — | $306K | 2.3% | |
| VRIAC DFA U.S. Small Cap Portfolio - Institutional Class | — | — | — | $286K | 2.2% | |
| Voya Retirement Insurance and Annuity Company Vangrd Infl-Prt Secs Fund Adm | — | — | — | $241K | 1.8% | |
| VRIAC Vanguard Inflation-Protected Securities Fund - Admiral Shares | — | — | — | $241K | 1.8% | |
| VRIAC DFA U.S. Targeted Value Portfolio - Institutional Class | — | — | — | $241K | 1.8% | |
| Voya Retirement Insurance and Annuity Company Vanguard Real Estate Indx Adm | — | — | — | $234K | 1.8% | |
| Voya Retirement Insurance and Annuity Company DFA Five-Yr Gbl Fix-Inc Pt | — | — | — | $202K | 1.5% | |
| VRIAC American Funds New Perspective Fund - Class R-6 | — | — | — | $172K | 1.3% | |
| similar party rate of interest, collateral, par or maturity value (d) Cost (e) Current value * Voya Retirement Insurance and Annuity Company American Funds Nw Prspctv R6 | — | — | — | $172K | 1.3% | |
| Voya Retirement Insurance and Annuity Company MyCompass Ind Cns Ret Fd R | — | — | — | $150K | 1.1% | |
| Voya Retirement Insurance and Annuity Company Vangrd St-Trm Inv-Grd Fnd Adm | — | — | — | $144K | 1.1% | |
| VRIAC Vanguard Short-Term Investment-Grade Fund - Admiral Shares | — | — | — | $144K | 1.1% | |
| VRIAC Small Cap Growth Fund - Fee Class R1 | — | — | — | $86K | 0.7% | |
| VRIAC Mid Cap Growth Fund - Fee Class R1 | — | — | — | $60K | 0.5% | |
| Voya Retirement Insurance and Annuity Company MyCompass Ind Agg 2055 Fd R | — | — | — | $59K | 0.4% | |
| Voya Retirement Insurance and Annuity Company MyCompass Ind Mod 2065 Fd R | — | — | — | $20K | 0.1% | |
| Voya Retirement Insurance and Annuity Company MyCompass Ind Cns 2065 Fd R | — | — | — | $18K | 0.1% | |
| Voya Retirement Insurance and Annuity Company MyCompass Ind Cns 2045 F R | — | — | — | $13K | 0.1% | |
| VRIAC MyCompass Index Aggressive 2065 Fund - Class R | — | — | — | $10K | <0.1% | |
| VRIAC MyCompass Index Aggressive 2045 Fund - Class R | — | — | — | $10K | <0.1% | |
| VRIAC MyCompass Index Aggressive 2025 Fund - Class R - * VRIAC MyCompass Index Aggressive 2035 Fund - Class R | — | — | — | $1K | <0.1% |