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Original filing (PDF)20251015075242NAL0008575554001
JRGO LLC DBA INTEGRITY ASSESSMENT GROUP
Form 5500
FILING_RECEIVED
INTEGRITY ASSESSMENT GROUP 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
163
Accounts w/ balance
232
Plan assets (EOY)
$6.1M
Net assets (EOY)
$6.1M
How this plan invests
This plan
29 pooled trusts
Schedule D
32 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
100
Concentration risk
100
Total plan cost
75
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for JRGO LLC DBA INTEGRITY ASSESSMENT GROUP.
Plan sponsor
Name
JRGO LLC DBA INTEGRITY ASSESSMENT GROUP
EIN
59-3722235
Address
105 WEST 4TH STREET · CLARE, MI · 48617
Phone
(989) 772-8888
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
2025-10-15
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
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
KRUGGEL LAWTON & COMPANY, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE AND ANNUI | 71-0294708 | — | SERVICE PROVIDER | $0 | — |
Investments
9 direct securities · 29 pooled funds· $6.7M(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
$5.8M
29 holdings
Uncategorized
$900K
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY 500 INDEX FUND VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $731K | 12.0% | |
| VOYA INDEX SOLUTION 2065 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $461K | 7.6% | |
| VOYA INDEX SOLUTION 2050 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $434K | 7.1% | |
| VOYA INDEX SOLUTION 2055 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $396K | 6.5% | |
| Voya JP Morgan Large Cap Growth Fund R6 # | — | — | — | $371K | 6.1% | |
| JPMORGAN LGCP GRW FND R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $371K | 6.1% | |
| VANGUARD TOTAL INTL STK INDEX FD AD VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $331K | 5.4% | |
| VOYA INDEX SOLUTION 2045 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $325K | 5.3% | |
| VOYA INDEX SOLUTION 2040 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $310K | 5.1% | |
| FIDELITY MID CAP INDEX FD VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $286K | 4.7% | |
| AMERICAN FUNDS FUNDAMENTAL INV R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $269K | 4.4% | |
| VOYA INDEX SOLUTION 2060 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $253K | 4.2% | |
| VOYA INDEX SOLUTION 2035 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $226K | 3.7% | |
| VOYA INDEX SOLUTION 2025 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $185K | 3.0% | |
| AMERICAN FUNDS NEW PERSPECTIVE R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $177K | 2.9% | |
| FIDELITY SM CP IND FUND VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $176K | 2.9% | |
| VANGUARD BALANCED INDEX FUND ADM VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $141K | 2.3% | |
| VOYA INDEX SOLUTION 2030 PORTFOLIO VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $130K | 2.1% | |
| Vanguard Emerging Markets Stock Index Fund * Voya Admiral # | — | — | — | $118K | 1.9% | |
| VANGUARD EMR MKTS STCK IND FD ADM VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $118K | 1.9% | |
| Voya Fixed Account # | — | — | — | $115K | 1.9% | |
| Participant Loans Interest rates at 8.75%-9.50% 0 | — | — | — | $105K | 1.7% | |
| INVESCO COMSTOCK FUND R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $98K | 1.6% | |
| VOYA INTERMEDIATE BOND FUND R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $84K | 1.4% | |
| Voya Government Money Market Fund # | — | — | — | $57K | 0.9% | |
| VOYA SMALL CAP GROWTH FUND R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $48K | 0.8% | |
| PGIM HIGH YIELD FUND R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $43K | 0.7% | |
| Voya Neuberg Berman Mid Cap Growth Fund R6 # | — | — | — | $43K | 0.7% | |
| NEUBERGER BERMAN MD CP GRW FND R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $43K | 0.7% | |
| Voya American Funds Capital World Bond # | — | — | — | $42K | 0.7% | |
| AMERICAN FUNDS CAP WLD BD R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $42K | 0.7% | |
| DFA REAL ESTATE SECURITIES PORT INS VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $41K | 0.7% | |
| DFA US TARGETED VALUE PORT INST VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $33K | 0.5% | |
| Voya Allspring Special Mid Cap Value Fund # | — | — | — | $28K | 0.5% | |
| ALLSPG SPEC MDCP VI FD R6 VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $28K | 0.5% | |
| Dimensional Fund Advisors Inflation-Protected * Voya Securities Portfolio Institutional # | — | — | — | $22K | 0.4% | |
| DFA INFLAT-PROT SECURITIES PORT INS VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $22K | 0.4% | |
| VOYA INDEX SOLUTION INCOME PORT Z VOYA RETIREMENT INSURANCE & ANNUITY COMPANY · EIN 71-0294708 / PN 004 | Pooled Separate Account | — | — | $7K | 0.1% |
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