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Original filing (PDF)20251119153952NAL0009552226001
STO BUILDING GROUP, INC.
Form 5500
FILING_RECEIVED
STRUCTURE TONE ORGANIZATION 401K PLAN
401(k) retirement plan
Signals · 1
Late filing · 0.1 mo
Active participants
1,549
Accounts w/ balance
2,093
Plan assets (EOY)
$402.3M
Net assets (EOY)
$402.3M
How this plan invests
This plan
13 pooled trusts
Schedule D
31 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
- Filed 0.1 months past the 10.5-month grace window.
- 17 bps in Schedule C fees — 70% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for STO BUILDING GROUP, INC..
Plan sponsor
Name
STO BUILDING GROUP, INC.
EIN
81-4302917
Address
330 WEST 34TH STREET, 12TH FLOOR · NEW YORK, NY · 10001
Phone
(212) 251-9258
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-11-19
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
GRASSI & CO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-2689044 | — | RECORDKEEPER | $248K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FINANCIAL ENGINES | — | PALO ALTO, CA | INVESTMENT ADVISOR | $354K | — |
| MERCER INVESTMENTS LLC | 30-0282430 | — | INVESTMENT ADVISOR | $83K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Investments
15 direct securities · 13 pooled funds· $394.8M(98% 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
$267.5M
15 holdings
Common Collective Trust
$127.4M
13 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Instl Index | — | — | — | $67.7M | 16.8% | |
| Vanguard Total Intl Stock Idx Instl | — | — | — | $43.3M | 10.8% | |
| Vanguard Total Bd Mkt Index Instl | — | — | — | $32.3M | 8.0% | |
| VANGRD TRGT RTIRE 2030 TRST II VANGUARD · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $22.3M | 5.5% | |
| Vanguard Mid Cap Index Instl | — | — | — | $21.4M | 5.3% | |
| Delaware Ivy Delaware Ivy Lg Cap Gr I | — | — | — | $20.3M | 5.1% | |
| VANGRD TRGT RTIRE 2035 TRST II VANGUARD · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $20.0M | 5.0% | |
| Vanguard Wellington Adm | — | — | — | $17.3M | 4.3% | |
| T. Rowe Price T Rowe Price Eq Income I | — | — | — | $17.1M | 4.2% | |
| Vanguard Primecap Adm | — | — | — | $14.8M | 3.7% | |
| VANGRD TRGT RTIRE 2050 TRST II VANGUARD · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $13.4M | 3.3% | |
| VANGRD TRGT RTIRE 2040 TRST II VANGUARD · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $12.9M | 3.2% | |
| GALLIARD STABLE RETURN E SEI · EIN 52-2250951 / PN 001 | Common Collective Trust | — | — | $12.3M | 3.0% | |
| VANGRD TRGT RTIRE 2045 TRST II VANGUARD · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $12.0M | 3.0% | |
| Metropolitan West Metropolitan West Total Rturn Bd P | — | — | — | $10.7M | 2.7% | |
| VANGRD TRGT RTIRE 2025 TRST II VANGUARD · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $9.8M | 2.4% | |
| VANGRD TRGT RTIRE 2055 TRST II VANGUARD · EIN 25-6715091 / PN 001 | Common Collective Trust | — | — | $9.7M | 2.4% | |
| Artisan Mid Cap Instl | — | — | — | $8.7M | 2.2% | |
| VANGRD TRGT RTIRE 2060 TRST II VANGUARD · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $6.6M | 1.6% | |
| Vanguard Small Cap Index Adm | — | — | — | $4.2M | 1.0% | |
| Participant Loans Interest rates ranging from 4.25% to 9.50% -0- | — | — | — | $3.6M | 0.9% | |
| VANGRD TRGT RTIRE 2020 TRST II VANGUARD · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $3.5M | 0.9% | |
| Prudential PGIM Jennison Small Co Z | — | — | — | $3.5M | 0.9% | |
| VANGRD TRGT RTIRE INCM TRST II VANGUARD · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $3.0M | 0.7% | |
| Victory Integrity Mid-Cap Val R6 | — | — | — | $2.2M | 0.5% | |
| VANGUARD TRGT RETMENT 2065 TRUST II VANGUARD · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $1.5M | 0.4% | |
| VANGUARD TARGET RETRMNT 2070 TR II VANGUARD · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $453K | 0.1% | |
| PIMCO Government Money Market Adm | — | — | — | $298K | <0.1% |
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