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Original filing (PDF)20251002130737NAL0000353187001
SUMMIT CONSTRUCTION, INC.
Form 5500
FILING_RECEIVED
SUMMIT CONSTRUCTION, INC. 401(K) PROFIT SHARING PLAN AND TRUST
401(k) retirement plan
Signals · 1
~83 bps in Sched C fees
Active participants
82
Accounts w/ balance
128
Plan assets (EOY)
$3.6M
Net assets (EOY)
$3.6M
How this plan invests
This plan
1 pooled trust
Schedule D
30 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
- 83 bps in Schedule C fees — 60% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SUMMIT CONSTRUCTION, INC..
Plan sponsor
Name
SUMMIT CONSTRUCTION, INC.
EIN
52-1681582
Address
5431 YUKON CT STE A · FREDERICK, MD · 217037326
Phone
(301) 698-0313
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
2025-10-02
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)
Audit & trust (Schedule H)
Auditor
FAW CASSON & CO., LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $16K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | — | PENNINGTON, NJ | INVESTMENT ADVISOR | $13K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $69 | — |
Investments
30 direct securities · 1 pooled fund· $7.1M(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
$3.5M
1 holding
Uncategorized
$3.5M
30 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT 401 TALCOTT RESOLUTION LIFE INSURANCE COMPANY · EIN 06-0974148 / PN 000 | Pooled Separate Account | — | — | $3.5M | 98.7% | |
| American Fund 2040 Trgt Date Retire Pooled Separate Accounts | — | — | — | $392K | 10.9% | |
| American Fund 2030 Trgt Date Retire Pooled Separate Accounts | — | — | — | $331K | 9.2% | |
| Ishares S&P 500 Index Pooled Separate Accounts | — | — | — | $249K | 6.9% | |
| American Century Growth Pooled Separate Accounts | — | — | — | $245K | 6.8% | |
| Invesco Balanced Risk Allocation Pooled Separate Accounts | — | — | — | $229K | 6.4% | |
| MFS International Growth Pooled Separate Accounts | — | — | — | $186K | 5.2% | |
| American Fund 2045 Trgt Date Retire Pooled Separate Accounts 171 American Fund 2050 Trgt Date Retire Pooled Separate Accounts | — | — | — | $171K | 4.8% | |
| MFS Value Pooled Separate Accounts | — | — | — | $155K | 4.3% | |
| INVESTMENTS IN POOLED SEPARATE ACCOUNTS American Century Equity Income Pooled Separate Accounts | — | — | — | $151K | 4.2% | |
| American Fund 2015 Trgt Date Retire Pooled Separate Accounts 82 American Fund 2020 Trgt Date Retire Pooled Separate Accounts | — | — | — | $143K | 4.0% | |
| JPMorgan Small Cap Growth Pooled Separate Accounts | — | — | — | $136K | 3.8% | |
| JPMorgan Mid Cap Growth Pooled Separate Accounts | — | — | — | $132K | 3.7% | |
| JPMorgan US Government Mmkt Instl Pooled Separate Accounts | — | — | — | $118K | 3.3% | |
| Virtus Ceredex Mid Cap Value Equity Pooled Separate Accounts | — | — | — | $114K | 3.2% | |
| Royce Small Cap Total Return Instl Pooled Separate Accounts | — | — | — | $112K | 3.1% | |
| Franklin Growth Pooled Separate Accounts | — | — | — | $107K | 3.0% | |
| Parametric Emerging Markets Pooled Separate Accounts | — | — | — | $100K | 2.8% | |
| PIMCO Total Return Instl Pooled Separate Accounts | — | — | — | $85K | 2.4% | |
| Templeton Global Bond Pooled Separate Accounts | — | — | — | $60K | 1.7% | |
| Goldman Sachs High Yield Pooled Separate Accounts | — | — | — | $58K | 1.6% | |
| Templeton Foreign Pooled Separate Accounts | — | — | — | $56K | 1.6% | |
| Nuveen Real Estate Securities Pooled Separate Accounts | — | — | — | $52K | 1.5% | |
| Blackrock Inflation Protected Bond Pooled Separate Accounts | — | — | — | $49K | 1.4% | |
| JPMorgan Small Cap Value Pooled Separate Accounts 232 JPMorgan US Equity Pooled Separate Accounts | — | — | — | $35K | 1.0% | |
| MFS Lifetime Income Pooled Separate Accounts | — | — | — | $31K | 0.9% | |
| MFS Government Securities Pooled Separate Accounts | — | — | — | $24K | 0.7% | |
| Franklin Small Cap Value Pooled Separate Accounts | — | — | — | $13K | 0.3% | |
| American Fund 2025 Trgt Date Retire Pooled Separate Accounts | — | — | — | $9K | 0.3% | |
| Pioneer Strategic Income Pooled Separate Accounts | — | — | — | $2K | <0.1% | |
| Lazard International Equity Pooled Separate Accounts | — | — | — | $2K | <0.1% |
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