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Original filing (PDF)20251015142105NAL0005115617001
SPARUS UTILITY SERVICES, LLC
Form 5500
FILING_RECEIVED
SPARUS UTILITY SERVICES, LLC 401K PLAN AND TRUST
401(k) retirement plan
Signals · 1
~174 bps in Sched C fees
Active participants
345
Accounts w/ balance
298
Plan assets (EOY)
$3.2M
Net assets (EOY)
$3.2M
How this plan invests
This plan
8 pooled trusts
Schedule D
38 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
- 174 bps in Schedule C fees — 234% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPARUS UTILITY SERVICES, LLC.
Plan sponsor
Name
SPARUS UTILITY SERVICES, LLC
EIN
81-0538988
Address
3819 STEPHENS AVENUE · SUITE 202 · MISSOULA, MT · 59801
Phone
(770) 313-9096
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Name
PENTEGRA SERVICES, INC
EIN
13-3745616
City
CHARLOTTE, NC
Phone
(844) 367-2848
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
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PBMARES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $56K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Investments
31 direct securities · 8 pooled funds· $3.2M(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
$2.4M
31 holdings
Common Collective Trust
$810K
8 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Retirement 2060 R | — | — | — | $548K | 17.0% | |
| T. Rowe Price Retirement 2055 R | — | — | — | $339K | 10.5% | |
| STATE ST S&P 500 IDX IX STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 344 | Common Collective Trust | — | — | $330K | 10.2% | |
| T. Rowe Price Retirement 2045 R | — | — | — | $233K | 7.2% | |
| JPMorgan US Equity A | — | — | — | $223K | 6.9% | |
| T. Rowe Price Retirement 2050 R | — | — | — | $162K | 5.0% | |
| STATE ST S&P MD CP IDX NL J STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 347 | Common Collective Trust | — | — | $150K | 4.7% | |
| STATE ST INTL IDX SECLEND VIII STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 336 | Common Collective Trust | — | — | $143K | 4.4% | |
| T. Rowe Price Retirement 2035 R | — | — | — | $131K | 4.1% | |
| STATE ST CASH SERIES US GOVT L STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 000 | Common Collective Trust | — | — | $129K | 4.0% | |
| Putnam Large Cap Value Fund | — | — | — | $106K | 3.3% | |
| 5.25% - 10.50% maturing through 2029 | — | — | — | $96K | 3.0% | |
| T. Rowe Price Retirement 2040 R | — | — | — | $94K | 2.9% | |
| T. Rowe Price Growth Stock R | — | — | — | $94K | 2.9% | |
| Federated Hermes International Leaders A | — | — | — | $61K | 1.9% | |
| STATE ST US BD IDX SL VIII STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 362 | Common Collective Trust | — | — | $54K | 1.7% | |
| BlackRock Balanced Investor A | — | — | — | $46K | 1.4% | |
| American Century Ultra Fund | — | — | — | $44K | 1.3% | |
| BlackRock High Yield Inv A | — | — | — | $38K | 1.2% | |
| Goldman Sachs Mid Cap Value A | — | — | — | $35K | 1.1% | |
| DWS RREEF Real Estate Securities A | — | — | — | $34K | 1.1% | |
| Virtus SGA Emerging Markets Equity A | — | — | — | $27K | 0.8% | |
| JPMorgan US Small Company A | — | — | — | $26K | 0.8% | |
| American Century Strat Allc: Mod A | — | — | — | $17K | 0.5% | |
| American Century Strat Allc: Cnsrv A | — | — | — | $15K | 0.5% | |
| T. Rowe Price Retirement 2030 R | — | — | — | $13K | 0.4% | |
| American Century Strat Allc: Agrsv A | — | — | — | $10K | 0.3% | |
| T. Rowe Price Retirement 2025 R | — | — | — | $7K | 0.2% | |
| Fidelity Advisor Small Cap M | — | — | — | $7K | 0.2% | |
| Carillon Eagle Mid Cap Growth A | — | — | — | $7K | 0.2% | |
| STATE ST RUSS SC IDX VIII STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 340 | Common Collective Trust | — | — | $2K | <0.1% | |
| Templeton Global Bond A | — | — | — | $2K | <0.1% | |
| JPMorgan Government Bond A | — | — | — | $2K | <0.1% | |
| INVESCO STABLE ASSET INVESCO TRUST COMPANY · EIN 27-3884161 / PN 001 | Common Collective Trust | — | — | $2K | <0.1% | |
| T. Rowe Price Retirement 2020 R | — | — | — | $1K | <0.1% | |
| T. Rowe Price Retirement 2005 R | — | — | — | $919 | <0.1% | |
| JPMorgan Core Bond Fund | — | — | — | $227 | <0.1% | |
| Alger Capital Appreciation Instl I | — | — | — | $9 | <0.1% | |
| STATE US INFL PROT BD IDX NL G STATE STREET BANK & TRUST CO · EIN 90-0337987 / PN 363 | Common Collective Trust | — | — | $0 | <0.1% |
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