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Original filing (PDF)20251205101028NAL0005390640001
SPEAR GROUP, LLC
Form 5500
FILING_RECEIVED
SPEAR GROUP, LLC 401(K) RETIREMENT PLAN AND TRUST
401(k) retirement plan
Signals · 1
Late filing · 0.6 mo
Active participants
494
Accounts w/ balance
455
Plan assets (EOY)
$14.7M
Net assets (EOY)
$14.7M
How this plan invests
This plan
1 pooled trust
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
99
/ 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
98
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Filed 0.6 months past the 10.5-month grace window.
Helping the score
- Below-peer total fees (9 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPEAR GROUP, LLC.
Plan sponsor
Name
SPEAR GROUP, LLC
EIN
58-2629438
Address
192 TECHNOLOGY PARKWAY · PEACHTREE CORNERS, GA · 30092
Phone
(770) 242-7066
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Name
PENTEGRA SERVICES, INC
EIN
13-3745616
City
CHARLOTTE, NC
Phone
(844) 367-2848
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-12-05
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PBMARES LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $14K | — |
Investments
33 direct securities · 1 pooled fund· $14.7M(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
$14.6M
33 holdings
Common Collective Trust
$91K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom Index 2025 Premier | — | — | — | $1.5M | 10.5% | |
| Fidelity Freedom Index 2030 Premier | — | — | — | $1.4M | 9.8% | |
| Fidelity Freedom Index 2040 Premier | — | — | — | $1.4M | 9.5% | |
| Fidelity Freedom Index 2055 Premier | — | — | — | $1.1M | 7.4% | |
| Fidelity Freedom Index 2115 Premier | — | — | — | $861K | 5.8% | |
| Fidelity Freedom Index 2045 Premier | — | — | — | $842K | 5.7% | |
| Fidelity Freedom Index 2050 Premier | — | — | — | $810K | 5.5% | |
| State Street Equity 500 Index K | — | — | — | $779K | 5.3% | |
| Fidelity Freedom Index 2035 Premier | — | — | — | $701K | 4.8% | |
| Fidelity Freedom Index 2020 Premier | — | — | — | $662K | 4.5% | |
| DFA Commodity Strategy Institutional | — | — | — | $417K | 2.8% | |
| T. Rowe Price Dividend Gr I | — | — | — | $416K | 2.8% | |
| Fidelity Freedom Index 2060 Premier | — | — | — | $369K | 2.5% | |
| American Funds Growth Fund Of America R6 | — | — | — | $310K | 2.1% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $296K | 2.0% | |
| Janus Henderson Triton Fund N | — | — | — | $278K | 1.9% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $270K | 1.8% | |
| Vanguard Intermediate-Term Bond Index Fund | — | — | — | $253K | 1.7% | |
| ishares MSCI EAFE Intl Index K | — | — | — | $234K | 1.6% | |
| Blackrock Total Return K | — | — | — | $234K | 1.6% | |
| Vanguard Small Cap Index Admiral | — | — | — | $231K | 1.6% | |
| Fidelity Freedom Index Inc Premier | — | — | — | $182K | 1.2% | |
| 4.25% - 9.50% maturing through 2033 | — | — | — | $172K | 1.2% | |
| Fidelity Freedom Index 2065 Premier | — | — | — | $153K | 1.0% | |
| T Rowe Price Overseas Stock | — | — | — | $151K | 1.0% | |
| Fidelity Freedom Index 2010 Premier | — | — | — | $148K | 1.0% | |
| JPMorgan Equity Income Fund R | — | — | — | $132K | 0.9% | |
| Principal Real Estate Securities R6 | — | — | — | $117K | 0.8% | |
| INVESCO STABLE ASSET - ADPZ INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $91K | 0.6% | |
| MFS Total Return R6 | — | — | — | $51K | 0.3% | |
| Vanguard Emerging Markets Stock Index Admiral | — | — | — | $46K | 0.3% | |
| Nuveen Small Cap Blend Index R6 | — | — | — | $22K | 0.1% | |
| Blackrock High Yield Bond K | — | — | — | $21K | 0.1% | |
| Goldman Sachs Inflation Protected Secs R6 | — | — | — | $10K | <0.1% |
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