Original filing (PDF)20251014075042NAL0003320672001

AMERICAN RESTORATION OPERATIONS, LLC

Name: AMERICAN RESTORATION OPERATIONS, LLC — AMERICAN RESTORATION OPERATIONS 401(K) PLAN, Form 5500 (2024)
Creator: AMERICAN RESTORATION OPERATIONS, LLC

Form 5500

FILING_RECEIVED

AMERICAN RESTORATION OPERATIONS 401(K) PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

622

Accounts w/ balance

365

Plan assets (EOY)

$28.4M

Net assets (EOY)

$28.4M

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)

/ 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

Vendor stack

Participation health

Knocking points off

40 bps in Schedule C fees — modestly above peer band of 29 bps.
No recordkeeper disclosed on Schedule C.
59% balance-to-active ratio — below typical for a healthy 401(k).

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICAN RESTORATION OPERATIONS, LLC.

Plan sponsor

Name

AMERICAN RESTORATION OPERATIONS, LLC

EIN

83-4557063

Address

300 DECKER DR · SUITE 350 · IRVING, TX · 75062

Phone

(801) 554-8396

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

2025-10-14

Pension benefit codes

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)

3D · Pre-approved plan (master / prototype / VS)

3H · Sponsor in controlled / affiliated group

Audit & trust (Schedule H)

Auditor

PLANTE MORAN, PLLC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
CREATIVE PLANNING, INC.	43-1270780	—	INVESTMENT ADVISORY	$0	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRINCIPAL LIFE INSURANCE COMPANY	42-0127290	—	CONTRACT ADMINISTRATOR	$113K	—

Investments

32 direct securities · 8 pooled funds· $29.3M(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

$28.3M

32 holdings

Common Collective Trust

$866K

5 holdings

Pooled Separate Account

$156K

3 holdings

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard Group Vanguard Target Rmt 2035 Inv Fund	—	—	—	$4.2M	14.7%
Vanguard Group Vanguard Target Rmt 2045 Inv Fund	—	—	—	$3.7M	13.1%
Vanguard Group Vanguard Target Rmt 2040 Inv Fund	—	—	—	$3.2M	11.3%
Vanguard Group Vanguard Target Rmt 2050 Inv Fund	—	—	—	$2.6M	9.3%
Vanguard Group Vanguard Target Rmt 2030 Inv Fund	—	—	—	$2.2M	7.7%
Vanguard Group Vanguard 500 Index Admiral Fund	—	—	—	$2.1M	7.4%
Vanguard Group Vanguard Target Rmt 2025 Inv Fund	—	—	—	$2.0M	7.2%
Vanguard Group Vanguard Target Rmt 2055 Inv Fund	—	—	—	$1.6M	5.5%
Vanguard Group Vanguard Target Rmt 2060 Inv Fund	—	—	—	$940K	3.3%
Morley Capital Management Morley Stable Value Fund	—	—	—	$846K	3.0%
MORLEY STABLE VALUE FUND PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274329 / PN 001	Common Collective Trust	—	—	$785K	2.8%
Vanguard Group Vanguard Target Rmt 2020 Inv Fund	—	—	—	$701K	2.5%
JPMorgan Investment Mgmt. Inc. JPMorgan Mid Cap Growth R6 Fund	—	—	—	$616K	2.2%
AB LP AB Large Cap Growth Z Fund	—	—	—	$546K	1.9%
Vanguard Group Vanguard Sm Cap Gr Idx Adm Fund	—	—	—	$520K	1.8%
Participants** Participant notes receivable bearing interest rates ranging from 4.25 to 9.50 percent -	—	—	—	$493K	1.7%
Massachusetts Financial Svc Co MFS Value R6 Fund	—	—	—	$375K	1.3%
Vanguard Group Vanguard Mid Cap Index Adm Fund	—	—	—	$290K	1.0%
Allspring Global Investments Allspring Spec M Cap Value R6	—	—	—	$172K	0.6%
PIMCO Institutional Fund	—	—	—	$157K	0.6%
MFS Investment Management MFS Intl Growth R6 Fund	—	—	—	$139K	0.5%
BlackRock Advisors, LLC iShares US Aggregate Bond Index K Fund	—	—	—	$128K	0.5%
Vanguard Group Vanguard Target Rmt 2065 Inv Fund	—	—	—	$124K	0.4%
Principal Life Insurance Company** LgCap S&P 500 Index Sep Acct	—	—	—	$116K	0.4%
PRIN LGCP S&P 500 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016	Pooled Separate Account	—	—	$116K	0.4%
Vanguard Group Vanguard Ttl Intl Stk Idx Adm Fund	—	—	—	$95K	0.3%
Fidelity Management & Research Fidelity Sm Cap Index Fund	—	—	—	$73K	0.3%
Principal Real Estate Inv** Real Estate Securities R6 Fund	—	—	—	$59K	0.2%
Vanguard Group Vanguard Target Rmt Inc Inv Fund	—	—	—	$54K	0.2%
Principal Life Insurance Company** Fully benefit-responsive unallocated contract - Guaranteed option	—	—	—	$52K	0.2%
Capital Research and Mgmt Co American Funds NewWorld R6	—	—	—	$51K	0.2%
Franklin Mutual Advisors, LLC Franklin Small Cap Value R6 Fund	—	—	—	$49K	0.2%
STATE ST WD DV EX US IDX II FD STATE STREET BANK AND TRUST COMPANY · EIN 04-0025081 / PN 034	Common Collective Trust	—	—	$34K	0.1%
Vanguard Group Vanguard Target Rmt 2070 Inv Fund	—	—	—	$23K	<0.1%
PRIN MIDCAP S&P 400 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023	Pooled Separate Account	—	—	$21K	<0.1%
STATE STREET EM IDX SL II FD STATE STREET GLOBAL ADVISORS · EIN 32-6528132 / PN 035	Common Collective Trust	—	—	$19K	<0.1%
PRIN SMCAP S&P 600 INDEX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028	Pooled Separate Account	—	—	$18K	<0.1%
John Hancock Investment Management John Hancock Bond R6 Fund	—	—	—	$17K	<0.1%
STATE STREET US BD ID SL XIV STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 477	Common Collective Trust	—	—	$16K	<0.1%
STABLE VALUE FIXED INCOME CIT ALTA TRUST COMPANY · EIN 88-2465398 / PN 001	Common Collective Trust	—	—	$12K	<0.1%