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Original filing (PDF)20231002171234NAL0017071505001
T-O ENGINEERS, INC.
Form 5500
FILING_RECEIVED
T-O ENGINEERS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
~420 bps in Sched C fees
Active participants
190
Accounts w/ balance
11
Plan assets (EOY)
$801K
Net assets (EOY)
$801K
How this plan invests
This plan
12 collective trusts
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
Plan health score (directional)
81
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
100
Participation health
65
Knocking points off
- 420 bps in Schedule C fees — 166% above peer band of 158 bps.
- Only 6% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for T-O ENGINEERS, INC..
Plan sponsor
Name
T-O ENGINEERS, INC.
EIN
82-0391201
Address
2471 S. TITANIUM PLACE · MERIDIAN, ID · 83642
Phone
(208) 323-2288
Industry
Engineering Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2022
Plan year begin
2022-01-01
Tax period
2022-12-31
Filed
2023-10-02
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LEAVITT CHRISTENSEN & CO., PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $2K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LEAVITT CHRISTENSEN & CO PLLC | — | BOISE, ID | AUDITOR | $7K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ACEC RETIREMENT TRUST | — | ROSWELL, GA | OTHER | $21K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $4K | — |
Investments
12 pooled funds· $0(0% 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.
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| VICTORY SMALL CAP VALUE FUND GLOBAL TRUST COMPANY · EIN 90-6240599 / PN 008 | Common Collective Trust | $0 | <0.1% |
| PRU CORE PLUS BOND FUND PRUDENTIAL RETIREMENT COMPANY · EIN 23-6994310 / PN 165 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2015 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 011 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2020 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 047 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2025 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 012 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2030 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 049 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2035 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 013 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2040 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 050 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2045 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 014 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2050 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 051 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2055 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 015 | Common Collective Trust | $0 | <0.1% |
| GREAT-WEST LIFETIME 2060 TRUST GREAT-WEST TRUST COMPANY, LLC · EIN 84-1455663 / PN 052 | Common Collective Trust | $0 | <0.1% |
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