How big is FCL Builders, LLC's plan?

FCL Builders, LLC's plan reported $26.0M in assets and 264 participants for 2024.

Original filing (PDF)20250826102954NAL0008408033001

FCL Builders, LLC

Name: FCL Builders, LLC — FCL Builders, LLC 401(k) Plan, Form 5500 (2024)
Creator: FCL Builders, LLC
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

FCL Builders, LLC 401(k) Plan

401(k) retirement plan · FCL Builders, LLC's FCL Builders, LLC 401(k) Plan held $26.0M in plan assets for 264 participants in 2024, with Fidelity as recordkeeper.

Signals · 1

Corrective distributions issued

Active participants

264

Accounts w/ balance

383

Plan assets (EOY)

$26.0M

Net assets (EOY)

$26.0M

People on this filing

Gary Finigan signed FCL Builders, LLC's 2024 Form 5500 as plan administrator.

Gary Finigan — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

FCL Builders, LLC's EIN is 77-0707737.

EIN 77-0707737

Plan number 001

Plan year 2024

ACK ID 20250826102954NAL0008408033001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for FCL Builders, LLC from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

FCL Builders, LLC's plan includes a 401(k) feature, automatic enrollment, a self-directed brokerage window, a default investment (QDIA), profit-sharing, ERISA 404(c) participant direction.

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for FCL BUILDERS, LLC.

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How this plan invests

This plan

51 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).
Total administrative cost in the bottom quartile of peers (22nd percentile).

Plan sponsor

Name

FCL BUILDERS, LLC

EIN

all filings

Address

1150 SPRING LAKE DR · ITASCA, IL · 60143

Phone

(630) 773-0050

Industry

Construction

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

2025-08-26

Pension benefit codes

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

3B · Covers self-employed individuals

3D · Pre-approved plan (master / prototype / VS)

2R · Participant-directed brokerage (SDBA)

2T · Default investment account (QDIA)

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$33K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
COMMONWEALTH FINANCIAL NETWORK	04-2675571	—	ADVISOR	$87K	—
STRATEGIC ADVISORS, INC.

Investments

51 direct securities· $26.0M(100% of reported assets)

Mutual Funds

$18.6M

29 holdings

Common Collective Trusts

$5.6M

8 holdings

Other securities

$1.3M

8 holdings

U.S. Treasuries

$363K

1 holding

Bonds / Notes

$249K

1 holding

Common Stocks

$49K

4 holdings

					% of plan
Fidelity Investments Fidelity 500 Index Fund	Common Collective Trusts	—	—	$3.6M	13.9%
Fidelity Investments Fidelity Blue Chip Growth K6 Fund	Mutual Funds	—	—	$3.2M	12.2%
Fidelity Investments Fidelity Freedom Index 2030 Institutional Premium Fund	Mutual Funds	—	—	$2.1M	8.0%
Fidelity Investments Fidelity Freedom Index 2025 Institutional Premium Fund	Mutual Funds	—	—	$1.7M	6.7%
Fidelity Investments Fidelity Freedom Index 2035 Institutional Premium Fund	Mutual Funds	—	—	$1.4M	5.5%
Fidelity Investments Fidelity Freedom Index 2045 Institutional Premium Fund	Mutual Funds	—	—	$1.3M	4.9%
Fidelity Investments Fidelity Freedom Index 2055 Institutional Premium Fund	Mutual Funds	—	—	$1.1M	4.0%
American Funds American Funds American Mutual Fund R6	Mutual Funds	—	—	$1.0M	3.9%
Fidelity Investments Fidelity Freedom Index 2040 Institutional Premium Fund	Mutual Funds	—	—	$962K	3.7%
Fidelity Investments Fidelity Freedom Index 2060 Institutional Premium Fund	Mutual Funds	—	—	$918K	3.5%
Fidelity Investments Fidelity OTC Portfolio	Mutual Funds	—	—	$839K	3.2%
Fidelity Investments Fidelity Freedom Index 2050 Institutional Premium Fund	Mutual Funds	—	—	$797K	3.1%
Dimensional Fund Advisors DFA International Value I Fund	Mutual Funds	—	—	$769K	3.0%
Fidelity Investments Fidelity Mid Cap Value Index Fund	Common Collective Trusts	—	—	$717K	2.8%
Dimensional Fund Advisors DFA Global Equity Portfolio Institutional Fund	Mutual Funds	—	—	$703K	2.7%
Federated Hermes Federated Hermes Institutional High Yield Bond Fund R6	Other securities	—	—	$449K	1.7%
Fidelity Investments Fidelity U.S. Bond Index Fund	Common Collective Trusts	—	—	$403K	1.5%
Fidelity Investments Fidelity Freedom Index 2020 Institutional Premium Fund	Mutual Funds	—	—	$400K	1.5%
JPMorgan Government Bond Fund R6	U.S. Treasuries	—	—	$363K	1.4%
RBC Emerging Markets Equity Fund R6	Other securities	—	—	$355K	1.4%
Fidelity Investments Fidelity Freedom Index 2065 Institutional Premium Fund	Mutual Funds	—	—	$298K	1.1%
Fidelity Investments Fidelity Global ex U.S. Index Fund	Common Collective Trusts	—	—	$272K	1.0%
Fidelity Investments Fidelity Government Money Market Fund K6	Mutual Funds	—	—	$259K	1.0%
Participants Participant Loans Rates from 4.25% to 9.50% -	Bonds / Notes	—	—	$249K	1.0%
Fidelity Investments Fidelity NASDAQ Composite Index Fund	Common Collective Trusts	—	—	$227K	0.9%
John Hancock John Hancock Bond Fund Class R6	Other securities	—	—	$186K	0.7%
Dimensional Fund Advisors DFA International Small Company I Fund	Mutual Funds	—	—	$185K	0.7%
Invesco Gold & Special Minerals Fund R6	Mutual Funds	—	—	$175K	0.7%
Fidelity Investments Fidelity Mid Cap Index Fund	Common Collective Trusts	—	—	$173K	0.7%
T. Rowe Price T. Rowe Price Dividend Growth I Fund	Other securities	—	—	$167K	0.6%
Fidelity Investments Fidelity Freedom Index 2015 Institutional Premium Fund	Mutual Funds	—	—	$121K	0.5%
Dimensional Fund Advisors DFA Real Estate Securities I Fund	Mutual Funds	—	—	$109K	0.4%
Fidelity Investments Fidelity Small Cap Index Fund	Common Collective Trusts	—	—	$104K	0.4%
Massachusetts Financial Services MFS Mid Cap Growth Fund R6	Mutual Funds	—	—	$67K	0.3%
Fidelity Investments Fidelity Inflation-Protected Bond Index Fund	Common Collective Trusts	—	—	$54K	0.2%
AllianceBernstein AB Small Cap Growth Z Fund	Other securities	—	—	$46K	0.2%
Fidelity Investments Fidelity International Capital Appreciation K6 Fund	Mutual Funds	—	—	$41K	0.2%
Fidelity Investments Fidelity Cash Reserves	Mutual Funds	—	—	$40K	0.2%
Allspring Special Small Cap Value Fund R6	Other securities	—	—	$35K	0.1%
American Funds American Funds American Balanced Fund R6	Mutual Funds	—	—	$30K	0.1%
Fidelity Investments Fidelity Freedom Index Income Institutional Premium Fund	Mutual Funds	—	—	$24K	<0.1%
Fidelity Investments Fidelity Wise Origin Bitcoin Fund	Mutual Funds	—	—	$18K	<0.1%
Abbvie Inc Com	Common Stocks	—	—	$14K	<0.1%
Trane Technologies PLC Com	Common Stocks	—	—	$13K	<0.1%
Coinbase Global Inc Com	Common Stocks	—	—	$13K	<0.1%
American Century American Century Mid Cap Value Fund R6	Other securities	—	—	$10K	<0.1%
Palo Alto Networks Inc Com	Common Stocks	—	—	$8K	<0.1%
Cabot Oil & Gas	Other securities	—	—	$4K	<0.1%
Fidelity Investments Fidelity Blue Chip Growth	Mutual Funds	—	—	$3K	<0.1%
Fidelity Investments Fidelity Contrafund	Mutual Funds	—	—	$3K	<0.1%