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Original filing (PDF)20251014131546NAL0001442451001
YATES SERVICES, LLC
Form 5500
FILING_RECEIVED
YATES SERVICES RETIREMENT & SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
2,035
Accounts w/ balance
2,801
Plan assets (EOY)
$91.6M
Net assets (EOY)
$91.6M
How this plan invests
This plan
43 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
- 40 bps in Schedule C fees — 148% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for YATES SERVICES, LLC.
Plan sponsor
Name
YATES SERVICES, LLC
EIN
68-0523908
Address
P.O. BOX 291 · JACKSON, MS · 39205
Phone
(601) 208-2850
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
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
REA, SHAW, GIFFIN & STUART LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsTrustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| YOUNG WELLS WILLIAMS PA | — | RIDGELAND, MS | TRUSTEE | $10K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | NONE | $196K | — |
| TRUSTMARK NATIONAL BANK | — | JACKSON, MS | NONE | $119K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | NONE | $38K | — |
| EMPOWER FINANCIAL SERVICES, INC. | — | GREENWOOD VILLAGE, CO | NONE | $30 | — |
Investments
43 direct securities· $90.8M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2035 Inv Mutual Fund | — | — | — | $9.6M | 10.5% | |
| Vanguard Target Retirement 2040 Inv Mutual Fund | — | — | — | $8.5M | 9.3% | |
| Vanguard Target Retirement 2045 Inv Mutual Fund | — | — | — | $8.1M | 8.9% | |
| Vanguard Target Retirement 2030 Inv Mutual Fund | — | — | — | $7.2M | 7.9% | |
| Vanguard Target Retirement 2050 Inv Mutual Fund | — | — | — | $6.9M | 7.5% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $5.8M | 6.3% | |
| Vanguard Target Retirement 2055 Inv Mutual Fund | — | — | — | $5.6M | 6.2% | |
| Vanguard Target Retirement 2025 Inv Mutual Fund | — | — | — | $5.0M | 5.5% | |
| Key Guaranteed Portfolio Fund Fixed Annuities | — | — | — | $4.7M | 5.1% | |
| Vanguard Target Retirement 2060 Inv Mutual Fund | — | — | — | $4.0M | 4.3% | |
| Vanguard Growth Index - Admiral Mutual Fund | — | — | — | $3.1M | 3.4% | |
| Vanguard Mid-Cap Value Index Admiral Mutual Fund | — | — | — | $2.6M | 2.8% | |
| Vanguard Developed Markets Index Admiral Mutual Fund | — | — | — | $1.8M | 1.9% | |
| Vanguard Target Retirement 2020 Inv Mutual Fund | — | — | — | $1.5M | 1.7% | |
| Vanguard Target Retirement 2065 Inv Mutual Fund | — | — | — | $1.5M | 1.6% | |
| Participant loans (4.25% - 9.50%) | — | — | — | $1.4M | 1.6% | |
| Vanguard Wellesley Income Admiral Mutual Fund | — | — | — | $1.1M | 1.2% | |
| John Hancock International Growth R6 Mutual Fund | — | — | — | $1.1M | 1.2% | |
| Vanguard Target Retirement Inc Inv Mutual Fund | — | — | — | $1.1M | 1.2% | |
| Vanguard Equity-Income Admiral Mutual Fund | — | — | — | $857K | 0.9% | |
| Vanguard Interm-Term Bond Index Admiral Mutual Fund | — | — | — | $834K | 0.9% | |
| Vanguard Small Cap Index Admiral Mutual Fund | — | — | — | $812K | 0.9% | |
| Neuberger Berman Genesis R6 Mutual Fund | — | — | — | $757K | 0.8% | |
| Vanguard Balanced Index Fund - Admiral Mutual Fund | — | — | — | $688K | 0.8% | |
| Vanguard Short Term Corporate Bond Index Admiral Mutual Fund | — | — | — | $666K | 0.7% | |
| Vanguard Small Cap Value Index Admiral Mutual Fund | — | — | — | $616K | 0.7% | |
| PIMCO Income Instl Mutual Fund | — | — | — | $550K | 0.6% | |
| Thornburg Developing World R6 Mutual Fund | — | — | — | $520K | 0.6% | |
| Vanguard Mid-Cap Index Admiral Mutual Fund | — | — | — | $459K | 0.5% | |
| Invesco International Small-Mid Company R6 Mutual Fund | — | — | — | $429K | 0.5% | |
| Putnam Government Money Market A Mutual Fund | — | — | — | $417K | 0.5% | |
| Vanguard Inflation-Protected Secs Admiral Mutual Fund | — | — | — | $396K | 0.4% | |
| Invesco Global R6 Mutual Fund | — | — | — | $391K | 0.4% | |
| Vanguard Small Cap Growth Index Admiral Mutual Fund | — | — | — | $283K | 0.3% | |
| Self-directed brokerage accounts (Empower) Common Stocks | — | — | — | $246K | 0.3% | |
| Vanguard Target Retirement 2070 Inv Mutual Fund | — | — | — | $221K | 0.2% | |
| Calamos Market Neutral Income R6 Mutual Fund 821 Cohen & Steers Real Estate Securities Z Mutual Fund | — | — | — | $208K | 0.2% | |
| Vanguard Mid-Cap Growth Index Admiral Mutual Fund | — | — | — | $203K | 0.2% | |
| MFS Emerging Markets Debt R6 Mutual Fund | — | — | — | $182K | 0.2% | |
| Vanguard High Yield Corporate Admiral Mutual Fund | — | — | — | $146K | 0.2% | |
| Applied Finance Select Institutional Mutual Fund | — | — | — | $112K | 0.1% | |
| MFS Aggressive Growth Allocation R6 Mutual Fund | — | — | — | $16K | <0.1% | |
| John Hancock Alternative Asset Allocation R6 Mutual Fund | — | — | — | $8K | <0.1% |
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