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Original filing (PDF)20250410155835NAL0024527073001
SOUTHERN FABRICATORS INC.
Form 5500
FILING_RECEIVED
SOUTHERN FABRICATORS INC 401(K) PLAN
401(k) retirement plan
Signals · 2
Late filing · 18.8 mo35% in single holding
Active participants
142
Accounts w/ balance
94
Plan assets (EOY)
$4.5M
Net assets (EOY)
$4.5M
How this plan invests
This plan
1 pooled trust
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
75
Concentration risk
83
Total plan cost
100
Vendor stack
100
Participation health
80
Knocking points off
- Filed 18.8 months past the 10.5-month grace window.
- Top holding "Voya Fixed Account (4450) Insurance Company General Account n/a" is 35% of plan.
- 66% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (9 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SOUTHERN FABRICATORS INC..
Plan sponsor
Name
SOUTHERN FABRICATORS INC.
EIN
56-0928892
Address
PO BOX 97 · POLKTON, NC · 28135
Phone
(704) 272-7615
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2021-11-01
Tax period
2022-10-31
Filed
2025-04-10
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
ALEXANDER & WILLIAMS CPA, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | RECORD KEEPER | $4K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RPA FINANCIAL, LLC | 83-1143379 | — | SERVICE PROVIDER | $0 | — |
Investments
27 direct securities · 1 pooled fund· $7.3M(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
$4.5M
27 holdings
Pooled Separate Account
$2.8M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VARIABLE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $2.8M | 62.9% | |
| Voya Fixed Account (4450) Insurance Company General Account n/a | — | — | — | $1.5M | 34.7% | |
| Fidelity 500 Index Fund Mutural Fund n/a | — | — | — | $444K | 10.0% | |
| American Funds 2045 T Date R6 Mutural Fund n/a | — | — | — | $367K | 8.2% | |
| American Funds 2035 T Date R6 Mutural Fund n/a | — | — | — | $304K | 6.8% | |
| Fid US Bd Id Fd Mutural Fund n/a | — | — | — | $222K | 5.0% | |
| Fidelity Tot Intl Idx Fund Mutural Fund n/a | — | — | — | $166K | 3.7% | |
| MFS Intl Diversification Fd R6 Mutural Fund n/a | — | — | — | $156K | 3.5% | |
| Fidelity Mid Cap Idx Fd Mutural Fund n/a | — | — | — | $154K | 3.5% | |
| Metropltn West Tot Rtn Bd F Pl Mutural Fund n/a | — | — | — | $128K | 2.9% | |
| DFA US Targeted Vl Port Ins Mutural Fund n/a | — | — | — | $124K | 2.8% | |
| American Funds 2040 T Date R6 Mutural Fund n/a | — | — | — | $114K | 2.6% | |
| American Funds 2025 T Date R6 Mutural Fund n/a | — | — | — | $113K | 2.5% | |
| Notes receivable from participants Loans (interest rates of 4.75% to 7.00% and maturity n/a | — | — | — | $106K | 2.4% | |
| American Funds 2055 T Date R6 Mutural Fund n/a | — | — | — | $80K | 1.8% | |
| DFA Global Real Est Sec Pt Ins Mutural Fund n/a | — | — | — | $72K | 1.6% | |
| American Funds 2065 T Date R6 Mutural Fund n/a | — | — | — | $61K | 1.4% | |
| Fidelity Sm Cp Ind Fd Mutural Fund n/a | — | — | — | $54K | 1.2% | |
| American Funds 2060 T Date R6 Mutural Fund n/a | — | — | — | $53K | 1.2% | |
| American Funds 2030 T Date R6 Mutural Fund n/a | — | — | — | $48K | 1.1% | |
| Vangrd Equity Income Fund Adm Mutural Fund n/a | — | — | — | $33K | 0.7% | |
| PIMCO Income Fund Ins Mutural Fund n/a | — | — | — | $30K | 0.7% | |
| Voya Gv Mny Mkt F A (Hld Acct) Mutural Fund n/a | — | — | — | $22K | 0.5% | |
| American Funds 2050 T Date R6 Mutural Fund n/a | — | — | — | $21K | 0.5% | |
| TRwPr Blue Chip Growth Fnd I Mutural Fund n/a | — | — | — | $19K | 0.4% | |
| American Funds 2010 T Date R6 Mutural Fund n/a | — | — | — | $13K | 0.3% | |
| American Funds 2020 T Date R6 Mutural Fund n/a | — | — | — | $4K | <0.1% | |
| Vangrd Explorer Fund Adm Mutural Fund n/a | — | — | — | $2K | <0.1% |
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