Original filing (PDF)20251016075716NAL0003281731001

TRADER CONSTRUCTION CO.

Name: TRADER CONSTRUCTION CO. — TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS PLAN, Form 5500 (2024)
Creator: TRADER CONSTRUCTION CO.

Form 5500

FILING_RECEIVED

TRADER CONSTRUCTION CO. EMPLOYEE RETIREMENT SAVINGS PLAN

401(k) retirement plan

Signals · 1

31% in single holding

Active participants

172

Accounts w/ balance

156

Plan assets (EOY)

$16.9M

Net assets (EOY)

$16.9M

How this plan invests

This plan

12 pooled trusts

Schedule D

12 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Total plan cost

100

Vendor stack

100

Participation health

100

Knocking points off

Top holding "Empower General Account" is 31% of plan.

Helping the score

Below-peer total fees (1 bps vs 29 bps peer median).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRADER CONSTRUCTION CO..

Plan sponsor

Name

TRADER CONSTRUCTION CO.

EIN

56-1010597

Address

P.O. DRAWER 1578 · NEW BERN, NC · 285631578

Phone

(252) 633-2424

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

2025-10-16

Pension benefit codes

2E · Profit-sharing

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

SMITH AND HOWARD

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$780	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
COMPENSATION SYSTEMS, INC.	56-1129270	—	CONTRACT ADMIN	$0	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ADVISORY GROUP	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$1K	—

Investments

1 direct security · 12 pooled funds· $16.9M(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

$11.6M

12 holdings

Uncategorized

$5.3M

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
Empower General Account	—	—	—	$5.3M	31.3%
MASSMUTUAL DIVERSIFIED VALUE A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$4.0M	23.9%
MASSMUTUAL 60/40 ALLOCATION A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$1.4M	8.5%
MASSMUTUAL MID CAP GROWTH A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$1.1M	6.6%
T. ROWE PRICE SPECTRUM DIVERSIFIED MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$1.0M	6.0%
MASSMUTUAL 40/60 ALLOCATION A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$777K	4.6%
INVESCO GLOBAL OPPORTUNITES INVESCO · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$742K	4.4%
MASSMUTUAL SMALL CAP VALUE EQUITY A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$665K	3.9%
MASSMUTUAL CORE BOND MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$639K	3.8%
MASSMUTUAL 80/20 ALLOCATION A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$548K	3.2%
MASSMUTUAL 20/80 ALLOCATION A MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$435K	2.6%
INVESCO OPPENHEIMER INT'L GROWTH A INVESCO · EIN 90-0779283 / PN 000	Pooled Separate Account	—	—	$207K	1.2%
SIA-AG (US GOVT MONEY MARKT) MASSMUTUAL · EIN 04-1590850 / PN 000	Pooled Separate Account	—	—	$0	<0.1%