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Original filing (PDF)20251010090705NAL0018044610001
MECHANICAL CONTRACTORS, LLC
Form 5500
FILING_RECEIVED
MECHANICAL CONTRACTORS, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
213
Accounts w/ balance
139
Plan assets (EOY)
$21.8M
Net assets (EOY)
$21.8M
How this plan invests
This plan
1 pooled trust
Schedule D
23 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
80
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 65% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MECHANICAL CONTRACTORS, LLC.
Plan sponsor
Name
MECHANICAL CONTRACTORS, LLC
EIN
56-0513402
Address
PO BOX 562357 · CHARLOTTE, NC · 282562357
Phone
(704) 372-2460
Industry
Plumbing, Heating, AC Contractors· 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
2025-10-10
Pension benefit codes
3H · Sponsor in controlled / affiliated group
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
BGW CPA CO, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $28K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NFP RETIREMENT INC | 33-0905143 | — | ADVISOR | $17K | — |
| KESTRA INVESTMENT SERVICES LLC | 35-2552359 | — | ADVISOR | $8K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
22 direct securities · 1 pooled fund· $21.8M(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.
Uncategorized
$19.8M
21 holdings
Common Collective Trust
$1.2M
1 holding
Mutual Funds
$736K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity FID 500 INDEX (1) | — | — | — | $3.8M | 17.3% | |
| American Funds AF GRTH FUND AMER R6 (1) | — | — | — | $3.2M | 14.7% | |
| American Funds AF NEW PERSPECT R6 (1) | — | — | — | $2.4M | 11.2% | |
| Fidelity FID MID CAP IDX (1) | — | — | — | $1.7M | 8.0% | |
| Vanguard VANG TARGET RET 2025 (1) | — | — | — | $1.4M | 6.4% | |
| Vanguard VANG TARGET RET 2040 (1) | — | — | — | $1.2M | 5.6% | |
| Vanguard VANG TARGET RET 2030 (1) | — | — | — | $1.2M | 5.6% | |
| MORLEY STABLE VALUE PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $1.2M | 5.5% | |
| Fidelity FID SM CAP IDX (1) | — | — | — | $870K | 4.0% | |
| Dimensional Fund Advisors DFA US TARGET VAL I (1) | — | — | — | $787K | 3.6% | |
| Vanguard VANG TARGET RET 2050 (1) | — | — | — | $739K | 3.4% | |
| Vanguard VANG TARGET RET 2055 (1) | Mutual Funds | — | — | $736K | 3.4% | |
| Vanguard VANG TARGET RET 2045 (1) | — | — | — | $728K | 3.3% | |
| Common and Collective Trust Funds Gabelli US MM I (1) | — | — | — | $614K | 2.8% | |
| Dodge & Cox DODGE & COX INCOME I (1) | — | — | — | $545K | 2.5% | |
| Vanguard VANG TARGET RET 2035 (1) | — | — | — | $210K | 1.0% | |
| Dodge & Cox DODGE&COX INTL STK I (1) | — | — | — | $101K | 0.5% | |
| Vanguard VANG TARGET RET INC (1) | — | — | — | $73K | 0.3% | |
| Vanguard VANG TARGET RET 2060 (1) | — | — | — | $65K | 0.3% | |
| Dimensional Fund Advisors DFA EMERGING MKTS I (1) | — | — | — | $58K | 0.3% | |
| Sterling Capital SCF SHORT DUR BOND I (1) | — | — | — | $30K | 0.1% | |
| Fidelity FID US BOND IDX (1) | — | — | — | $19K | <0.1% | |
| Vanguard VANG TARGET RET 2020 (1) | — | — | — | $5K | <0.1% |