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Original filing (PDF)20251015123253NAL0006263968001
LOWE ENGINEERS, LLC
Form 5500
FILING_RECEIVED
LOWE ENGINEERS, LLC 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
~81 bps in Sched C feesNo recordkeeper disclosed
Active participants
134
Accounts w/ balance
210
Plan assets (EOY)
$7.5M
Net assets (EOY)
$7.5M
How this plan invests
This plan
1 pooled trust
Schedule D
26 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 81 bps in Schedule C fees — 57% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOWE ENGINEERS, LLC.
Plan sponsor
Name
LOWE ENGINEERS, LLC
EIN
58-2409024
Address
990 HAMMOND DRIVE · ATLANTA, GA · 30328
Phone
(770) 857-8400
Industry
Professional & Technical Servicessee 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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
SMITH AND HOWARD
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | SERVICE PROVIDER | $49K | — |
| SMITH AND HOWARD PC | — | DALLAS, TX | SERVICE PROVIDER | $12K | — |
| ARISTA ADVISORY GROUP | 82-4140558 | — | SERVICE PROVIDER | $0 | — |
| ALERA INVESTMENT ADVISORS | 81-4473358 | — | SERVICE PROVIDER | $0 | — |
Investments
26 direct securities · 1 pooled fund· $14.8M(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
$7.5M
26 holdings
Pooled Separate Account
$7.3M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VARIABLE ANNUITY ACCOUNT D VOYA RETIREMENT INSURANCE & ANNUITY CO · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $7.3M | 97.9% | |
| Voya Index Solution 2040 P Z Registered Investment Company | — | — | — | $1.4M | 19.1% | |
| Voya Index Solution 2050 P Z Registered Investment Company | — | — | — | $809K | 10.8% | |
| Voya Index Solution 2045 P Z Registered Investment Company | — | — | — | $683K | 9.1% | |
| Voya Index Solution 2035 P Z Registered Investment Company | — | — | — | $663K | 8.8% | |
| Vangrd 500 Index Fund Adm Registered Investment Company | — | — | — | $602K | 8.0% | |
| Voya Index Solution 2055 P Z Registered Investment Company | — | — | — | $586K | 7.8% | |
| Voya Index Solution 2030 P Z Registered Investment Company | — | — | — | $482K | 6.4% | |
| party date,rate of interest, collateral, par, or maturity date AB Large Cap Growth Fund Adv Registered Investment Company | — | — | — | $378K | 5.0% | |
| Transamerica Intl Equity Fd I Registered Investment Company | — | — | — | $273K | 3.6% | |
| (Held at End of Year) LOWE ENGINEERS, LLC 401K PROFIT SHARING PLAN EIN#58-2409024 Plan# 001 * Voya Index Solution 2060 P Z Registered Investment Company | — | — | — | $226K | 3.0% | |
| Victory Core Pl Inter Bnd Ins Registered Investment Company | — | — | — | $225K | 3.0% | |
| Voya Index Solution 2025 P Z Registered Investment Company | — | — | — | $209K | 2.8% | |
| Vangrd Small-Cap Index Fnd Adm Registered Investment Company | — | — | — | $205K | 2.7% | |
| Vangrd Mid-Cap Index Fund Adm Registered Investment Company | — | — | — | $132K | 1.8% | |
| LOAN FUND Participant Loans - Rates 5.25% to 9.50% | — | — | — | $101K | 1.3% | |
| Vangrd Equity Income Fund Adm Registered Investment Company | — | — | — | $82K | 1.1% | |
| BlackRock Advan Sm Cp Cor Inst Registered Investment Company | — | — | — | $71K | 0.9% | |
| Voya Index Solution 2065 P Z Registered Investment Company | — | — | — | $60K | 0.8% | |
| Voya Fixed Account (4450) Insurance Company General Account | — | — | — | $57K | 0.8% | |
| Voya Index Solution Inc P Z Registered Investment Company | — | — | — | $52K | 0.7% | |
| Vangrd Int-Trm Inv-Grd Fd Adm Registered Investment Company | — | — | — | $47K | 0.6% | |
| Touchstone Mid Cap Growth Fd Y Registered Investment Company | — | — | — | $36K | 0.5% | |
| American Funds Inf Lnk Bd R6 Registered Investment Company | — | — | — | $36K | 0.5% | |
| Voya Gv Mny Mkt F A (Hld Acct) Registered Investment Company | — | — | — | $26K | 0.3% | |
| DWS RREEF Rl Est Sec Fd R6 Registered Investment Company | — | — | — | $14K | 0.2% | |
| Vangrd Int-Trm Treasury Fd Adm Registered Investment Company | — | — | — | $10K | 0.1% |