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Original filing (PDF)20251006105901NAL0001806003001
SBC, INC.
Form 5500
FILING_RECEIVED
SBC 401(K) PLAN AND TRUST
401(k) retirement plan
Active participants
98
Accounts w/ balance
139
Plan assets (EOY)
$12.7M
Net assets (EOY)
$12.7M
How this plan invests
This plan
6 pooled trusts
Schedule D
29 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
- 56 bps in Schedule C fees — 95% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SBC, INC..
Plan sponsor
Name
SBC, INC.
EIN
81-0540152
Address
1165 N 14TH ST · SUITE 4, OFFICE A · BOZEMAN, MT · 59715
Phone
(406) 585-0735
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
2025-10-06
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
AMATICS CPA GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $21K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL | — | SAN DIEGO, CA | INVESTMENT ADVISOR | $22K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SANNAH M BRANDT LLC DBA UPA | — | BOZEMAN, MT | CONTRACT ADMIN | $9K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER RETIREMENT ADVISORY SERVICE | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $10K | — |
| LEAFHOUSE FINANCIAL ADVISOR | — | AUSTIN, TX | OTHER | $9K | — |
Investments
24 direct securities · 6 pooled funds· $12.2M(96% 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
$7.9M
24 holdings
Common Collective Trust
$4.4M
6 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BLACKROCK EQUITY INDEX FUND R GREAT GRAY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $1.4M | 11.0% | |
| Vanguard Developed Markets Index Admiral Mutual fund n/a | — | — | — | $1.2M | 9.2% | |
| Vanguard Total Bond Market Index Admiral Mutual fund n/a | — | — | — | $1.1M | 8.5% | |
| DFA Emerging Markets Core Equity Mutual fund n/a | — | — | — | $980K | 7.7% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $955K | 7.5% | |
| AB US LARGE CAP GROWTH CIT W SERIES GREAT GRAY · EIN 38-4116831 / PN 509 | Common Collective Trust | — | — | $938K | 7.4% | |
| Schwab Fdmtl Intl Lg Co Idx Mutual fund n/a | — | — | — | $604K | 4.8% | |
| BLACKROCK RUSSELL 2000 INDEX FUND R GREAT GRAY · EIN 20-3802587 / PN 004 | Common Collective Trust | — | — | $547K | 4.3% | |
| Vanguard International Growth ADM Mutual fund n/a | — | — | — | $532K | 4.2% | |
| Victory Sycamore Established Value R6 Mutual fund n/a | — | — | — | $530K | 4.2% | |
| BLACKROCK MID CAP EQUITY INDEX FUND GREAT GRAY · EIN 20-3802327 / PN 003 | Common Collective Trust | — | — | $520K | 4.1% | |
| JP Morgan Mid Cap Growth R6 Mutual fund n/a | — | — | — | $426K | 3.4% | |
| DFA Inflation-Targeted Value I Mutual fund n/a | — | — | — | $314K | 2.5% | |
| Guaranteed Interest Fund Annuity n/a | — | — | — | $289K | 2.3% | |
| DFA Commodity Strategy I Mutual fund n/a | — | — | — | $280K | 2.2% | |
| Nuveen Real Estate Securities Select R6 Mutual fund n/a | — | — | — | $263K | 2.1% | |
| Blackrock 60/40 Target Allocation K Mutual fund n/a | — | — | — | $261K | 2.1% | |
| Empower Securefoundation Bal Inst Mutual fund n/a | — | — | — | $212K | 1.7% | |
| T Rowe Price QM US Small-Cap Growth EQ I Mutual fund n/a | — | — | — | $201K | 1.6% | |
| DFA Inflation-Protected Securities I Mutual fund n/a | — | — | — | $172K | 1.4% | |
| PGIM Global Total Return R6 Mutual fund n/a | — | — | — | $138K | 1.1% | |
| DFA Global Real Estate Securities Mutual fund n/a | — | — | — | $122K | 1.0% | |
| Vanguard High-Yield Corporate ADM Mutual fund n/a | — | — | — | $100K | 0.8% | |
| Loomis Sayles Core Plus Bond N Mutual fund n/a | — | — | — | $76K | 0.6% | |
| Blackrock 40/60 Target Allocation K Mutual fund n/a | — | — | — | $64K | 0.5% | |
| Blackrock 80/20 Target Allocation K Mutual fund n/a | — | — | — | $26K | 0.2% | |
| Blackrock 20/80 Target Allocation K Mutual fund n/a | — | — | — | $21K | 0.2% | |
| Pimco Income Instl Mutual fund n/a | — | — | — | $10K | <0.1% | |
| Invesco International Small-Mid Company R6 Mutual fund n/a | — | — | — | $2K | <0.1% | |
| FRANKLIN SMALL CAP VALUE GG TRUST C GREAT GRAY · EIN 38-4126289 / PN 594 | Common Collective Trust | — | — | $0 | <0.1% |
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