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Original filing (PDF)20250806161016NAL0002979201001
ELM
Form 5500
FILING_RECEIVED
ELM LOCATING AND UTILITY SERVICES 401(K) PLAN
401(k) retirement plan
Active participants
1,188
Accounts w/ balance
1,574
Plan assets (EOY)
$14.2M
Net assets (EOY)
$14.2M
How this plan invests
This plan
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 47 bps in Schedule C fees — 62% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ELM.
Plan sponsor
Name
ELM
EIN
81-0529580
Address
60 STATE STREET, SUITE 201 · PEORIA, IL · 61602
Phone
(309) 671-4312
Industry
Information / Tech / Mediasee 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
2E · Profit-sharing
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $54K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY | 26-4310632 | — | ADVISOR | $0 | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES LLC | 04-3523567 | — | PAYING AGENT | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTON LARSON ALLEN LLP | 41-0746749 | — | AUDITOR | $13K | — |
Investments
36 direct securities· $14.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FA FREEDOM 2060 A | — | — | — | $1.6M | 10.9% | |
| FA FREEDOM 2045 A | — | — | — | $1.5M | 10.8% | |
| FA FREEDOM 2055 A | — | — | — | $1.4M | 10.1% | |
| FA FREEDOM 2035 A | — | — | — | $1.4M | 9.8% | |
| FA FREEDOM 2050 A | — | — | — | $1.4M | 9.6% | |
| FA FREEDOM 2040 A | — | — | — | $1.3M | 9.5% | |
| FA FREEDOM 2025 A | — | — | — | $1.0M | 7.2% | |
| FA FREEDOM 2065 A | — | — | — | $1.0M | 7.2% | |
| FID US BOND IDX 699 * FID 500 INDEX | — | — | — | $976K | 6.9% | |
| FA FREEDOM 2030 A | — | — | — | $921K | 6.5% | |
| and Maturities through June 2030 - | — | — | — | $502K | 3.5% | |
| PUTNAM CORE EQUITY A | — | — | — | $375K | 2.6% | |
| AMERICAN BALANCED R4 | — | — | — | $185K | 1.3% | |
| FA FREEDOM 2020 A | — | — | — | $146K | 1.0% | |
| INVS SP MLP ALPHA A | — | — | — | $63K | 0.4% | |
| AF AMER MUTUAL R4 | — | — | — | $48K | 0.3% | |
| FID GOVT MMKT | — | — | — | $41K | 0.3% | |
| INVS DIVRS DIVIDND A | — | — | — | $39K | 0.3% | |
| AMERICAN AMCAP R4 | — | — | — | $32K | 0.2% | |
| AF NEW WORLD FUND R4 | — | — | — | $30K | 0.2% | |
| MSIF INTL ADV PTF A | — | — | — | $27K | 0.2% | |
| FA FREEDOM INC A 934 * FA FREEDOM 2015 A | — | — | — | $27K | 0.2% | |
| GS SM CP GR INS INST | — | — | — | $27K | 0.2% | |
| INVS EQL WT S&P500 A | — | — | — | $26K | 0.2% | |
| AS SPL SM CAP VAL A | — | — | — | $21K | 0.1% | |
| FA FREEDOM 2070 A | — | — | — | $17K | 0.1% | |
| BLKRK EQUITY DIV A | — | — | — | $13K | <0.1% | |
| IS R SM/MD-CAP IDX A | — | — | — | $12K | <0.1% | |
| PIM MTG OPS & BD A 710 PIMCO COMM REL RET A | — | — | — | $9K | <0.1% | |
| FID INTL INDEX | — | — | — | $5K | <0.1% | |
| INVS REAL ESTATE A 457 PIM REAL RETURN A | — | — | — | $4K | <0.1% | |
| EV HIGH INCOME OPP I | — | — | — | $4K | <0.1% | |
| MGL MDCP INC OP A | — | — | — | $3K | <0.1% | |
| DODGE & COX INCOME I | — | — | — | $3K | <0.1% | |
| EV FLOATING RATE A | — | — | — | $2K | <0.1% | |
| MFS VALUE R3 | — | — | — | $2K | <0.1% |