Back to filter
Original filing (PDF)20250806181856NAL0003081267001
GRAY CONSTRUCTION, INC
Form 5500
FILING_RECEIVED
GRAY RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
2,255
Accounts w/ balance
2,670
Plan assets (EOY)
$208.6M
Net assets (EOY)
$208.6M
How this plan invests
This plan
1 pooled trust
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 14 bps in Schedule C fees — modestly above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GRAY CONSTRUCTION, INC.
Plan sponsor
Name
GRAY CONSTRUCTION, INC
EIN
61-0990546
Address
10 QUALITY STREET · LEXINGTON, KY · 40507
Phone
(859) 281-9324
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
2025-08-06
Pension benefit codes
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $301K | — |
Broker
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | SECURITIES BROKER | $495 | — |
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Investments
25 direct securities · 1 pooled fund· $214.5M(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
$194.1M
24 holdings
Common Collective Trust
$16.5M
1 holding
Mutual Funds
$3.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Instl Index | — | — | — | $27.8M | 13.3% | |
| Dodge & Cox Dodge & Cox Inc I | — | — | — | $23.6M | 11.3% | |
| RELIANCE/METLIFE STABLE 25053 CL 0 METLIFE · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $16.5M | 7.9% | |
| JPMorgan Lg Cap Gr R6 | — | — | — | $14.6M | 7.0% | |
| Schwab Fdmtl Intl Eq Idx | — | — | — | $14.2M | 6.8% | |
| John Hancock JHancock3 Disciplined Val R6 | — | — | — | $13.8M | 6.6% | |
| Vanguard Gr Index Instl | — | — | — | $12.5M | 6.0% | |
| Vanguard Small Cap Index Inst | — | — | — | $11.3M | 5.4% | |
| American Funds American Funds EuroPacific Gr R6 | — | — | — | $11.3M | 5.4% | |
| Vanguard Mid Cap Index Instl | — | — | — | $11.0M | 5.3% | |
| T. Rowe Price T. Rowe Price Intl Discovery | — | — | — | $7.6M | 3.7% | |
| Vanguard Inf-Protected Secs Instl | — | — | — | $6.9M | 3.3% | |
| Charles Schwab Instl Personal Choice Retment Account | — | — | — | $5.9M | 2.8% | |
| Self-Brokerage Accounts | — | — | — | $5.9M | 2.8% | |
| PIMCO Intl Bd (USD-Hdg) Instl | — | — | — | $5.7M | 2.7% | |
| Franklin Templeton Franklin Small Cap Val R6 | — | — | — | $5.1M | 2.4% | |
| Nuveen Real Estate Securities R6 | — | — | — | $4.8M | 2.3% | |
| MassMutual MassMtl Mid Cap Gr I | — | — | — | $4.6M | 2.2% | |
| Loomis Sayles Loomis Sayles Small Cap Gr Instl | Mutual Funds | — | — | $3.9M | 1.9% | |
| Allspring Spec Mid Cap Val R6 | — | — | — | $3.7M | 1.8% | |
| Vanguard Balanced Index Adm | — | — | — | $2.1M | 1.0% | |
| Blackrock Inc Instl | — | — | — | $790K | 0.4% | |
| Vanguard InTrmed Trm US Trsry Adm | — | — | — | $671K | 0.3% | |
| Participants Notes Receivable with interest rates of 4.25% to 8.50% | — | — | — | $55K | <0.1% | |
| State Street Bank & Trust Co. Cash Reserve Account | — | — | — | $54K | <0.1% | |
| Interest-Bearing Cash | — | — | — | $54K | <0.1% |
Related plans
Other plans using TRANSAMERICA RETIREMENT SOLUTIONS
FORD MOTOR COMPANY
FORD DEFINED CONTRIBUTION PLANS MASTER TRUST
$25.3B
NORTHWELL HEALTH, INC.
NORTHWELL HEALTH 403(B) PLAN
$10.9B · 49,356 participants
THE MOUNT SINAI MEDICAL CENTER
THE MOUNT SINAI MEDICAL CENTER 403(B) RETIREMENT PLAN
$9.5B · 46,304 participants
SAVANNAH RIVER NUCLEAR SOLUTIONS
SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC MASTER TRUST
$3.7B
WAKE FOREST UNIVERSITY BAPTIST MEDICAL CENTER
WAKE FOREST BAPTIST MEDICAL CENTER 403(B) RETIREMENT SAVINGS PLAN
$3.6B · 21,020 participants
SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC
THE SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC DEFINED CONTRIBUTION PLAN
$2.8B · 9,871 participants
Similar-size Construction plans
MERITAGE HOMES CORPORATION
MERITAGE HOMES CORPORATION 401(K) SAVINGS PLAN
$209.8M · 1,961 participants
SB HOLDING CORP.
SIGNATURE HOMES EMPLOYEE STOCK OWNERSHIP PLAN
$224.8M · 135 participants
TRI POINTE HOMES HOLDINGS, INC.
TRI POINTE GROUP 401(K) PROFIT SHARING PLAN
$191.1M · 1,642 participants
HOLIDAY BUILDERS, INC.
HOLIDAY BUILDERS, INC. EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST
$229.0M · 161 participants
M/I HOMES, INC.
M/I HOMES, INC. 401(K) PROFIT SHARING PLAN
$184.4M · 1,839 participants
GRAY, INC.
GRAY, INC. EMPLOYEE STOCK OWNERSHIP PLAN
$177.4M · 1,529 participants
Large plans in Kentucky
COMMONSPIRIT HEALTH
COMMONSPIRIT HEALTH 401(K) RETIREMENT SAVINGS PLAN
$8.8B · 91,977 participants
HUMANA INC.
HUMANA RETIREMENT SAVINGS PLAN
$7.7B · 42,968 participants
COMMONSPIRIT HEALTH
COMMONSPIRIT HEALTH ERISA 403(B) PLAN
$2.9B · 28,491 participants
UNITED PARCEL SERVICE COMPANY
UPS/IPA DEFINED CONTRIBUTION MONEY PURCHASE PENSION PLAN
$2.5B · 1,993 participants
HOUCHENS INDUSTRIES, INC.
HOUCHENS INDUSTRIES, INC. EMPLOYEE STOCK OWNERSHIP PLAN
$2.3B · 7,785 participants
NORTON HEALTHCARE, INC.
NORTON HEALTHCARE 403(B) RETIREMENT SAVINGS PLAN
$2.3B · 22,952 participants