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Original filing (PDF)20260210114804NAL0002155009001
SOUTHERN DEVELOPMENT & CONSTRUCTIONS, INC
Form 5500
FILING_RECEIVED
SDC GROUP 401(K) PLAN
401(k) retirement plan
Signals · 1
Late filing · 2.8 mo
Active participants
380
Accounts w/ balance
347
Plan assets (EOY)
$3.9M
Net assets (EOY)
$3.8M
How this plan invests
This plan
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
89
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Filed 2.8 months past the 10.5-month grace window.
- 63 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SOUTHERN DEVELOPMENT & CONSTRUCTIONS, INC.
Plan sponsor
Name
SOUTHERN DEVELOPMENT & CONSTRUCTIONS, INC
EIN
59-3249904
Address
2544 CONNECTION POINT · OVIEDO, FL · 32765
Phone
(407) 977-9898
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
2026-02-10
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BETTERMENT FOR BUSINESS, LLC | 47-4872674 | NEW YORK, NY | RECORDKEEPER | $24K | — |
Investments
23 direct securities· $3.6M(94% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Registered Investment Companies Vanguard Total Stock Market ETF | — | — | — | $750K | 19.5% | |
| Vanguard FTSE Developed Markets | — | — | — | $735K | 19.1% | |
| SPDR Portfolio S&P 500 ETF | — | — | — | $626K | 16.2% | |
| iShares Core Total US Bond Market ETF | — | — | — | $422K | 10.9% | |
| Vanguard FTSE Emerging Markets | — | — | — | $258K | 6.7% | |
| SPDR Portfolio S&P 400 Mid Cap | — | — | — | $173K | 4.5% | |
| SPDR Portfolio S&P 600 Small Cap ETF | — | — | — | $132K | 3.4% | |
| Vanguard Total International Bond ETF | — | — | — | $94K | 2.4% | |
| Invesco Emerging Markets Sovereign Debt ETF 2 * Participant Notes Receivable Interest rate 4.25% - 9.50% | — | — | — | $93K | 2.4% | |
| iShares Emerging Markets USD Bond ETF | — | — | — | $84K | 2.2% | |
| Vanguard Value ETF | — | — | — | $75K | 1.9% | |
| Vanguard Mid-Cap Value ETF | — | — | — | $61K | 1.6% | |
| Vanguard Small-Cap Value ETF | — | — | — | $59K | 1.5% | |
| iShares 0-5 Year TIPS Bond ETF | — | — | — | $25K | 0.6% | |
| JP Morgan JPMorgan Ultra-Short Income | — | — | — | $16K | 0.4% | |
| Goldman Sachs Goldman Sachs ActiveBeta US Large Cap Equity | — | — | — | $12K | 0.3% | |
| Vanguard Short-Term Inflation-Protected Securities ETF | — | — | — | $3K | <0.1% | |
| SPDR S&P Kensho New Economies Composite ETF | — | — | — | $3K | <0.1% | |
| Goldman Sachs Goldman Sachs TreasuryAccess 01 Year ETF | — | — | — | $3K | <0.1% | |
| Goldman Sachs Goldman Sachs ActiveBeta International Equity | — | — | — | $3K | <0.1% | |
| Vanguard Dividend Appreciation ETF | — | — | — | $2K | <0.1% | |
| Goldman Sachs Goldman Sachs ActiveBeta Europe Equity ETF | — | — | — | $2K | <0.1% | |
| Goldman Sachs Goldman Sachs ActiveBeta Emerging Markets Equity | — | — | — | $1K | <0.1% |
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