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Original filing (PDF)20251015082355NAL0002018499001
BELFOR USA GROUP, INC.
Form 5500
FILING_RECEIVED
BELFOR GROUP 401(K) PLAN
401(k) retirement plan
Active participants
2,528
Accounts w/ balance
1,544
Plan assets (EOY)
$173.2M
Net assets (EOY)
$173.2M
How this plan invests
This plan
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 15 bps in Schedule C fees — 52% above peer band of 10 bps.
- 61% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BELFOR USA GROUP, INC..
Plan sponsor
Name
BELFOR USA GROUP, INC.
EIN
84-1309171
Address
185 OAKLAND AVENUE · SUITE 300 · BIRMINGHAM, MI · 48009
Phone
(248) 594-3188
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $196K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER INVESTMENTS LLC | 80-0326517 | — | INVESTMENT ADVISOR | $52K | — |
Broker
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
| MID ATLANTIC CAPITAL CORPORATION | 25-1409618 | — | SECURITIES BROKER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PLANTE MORAN, PLLC | 33-1498605 | — | AUDITOR | $15K | — |
Investments
30 direct securities· $170.7M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price T. Rowe Price Blue Chip Growth | — | — | — | $23.4M | 13.5% | |
| Fidelity 500 Index Institutional Premium | — | — | — | $16.9M | 9.8% | |
| T. Rowe Price T. Rowe Price Retirement 2030 | — | — | — | $15.7M | 9.1% | |
| Standard Insurance Company Unallocated investment contract - Standard Insurance Company Stable Asset Fund I | — | — | — | $13.3M | 7.7% | |
| BlackRock Advantage Small Cap Core Institutional | — | — | — | $11.4M | 6.6% | |
| JPMorgan US Equity R4 | — | — | — | $9.9M | 5.7% | |
| T. Rowe Price T. Rowe Price Retirement 2035 | — | — | — | $9.0M | 5.2% | |
| T. Rowe Price T. Rowe Price Retirement 2040 | — | — | — | $8.4M | 4.9% | |
| Federated International Federated Hermes International Equity IS | — | — | — | $6.9M | 4.0% | |
| T. Rowe Price T. Rowe Price Retirement 2055 | — | — | — | $6.4M | 3.7% | |
| JPMorgan Large Cap Value R3 | — | — | — | $6.3M | 3.6% | |
| T. Rowe Price T. Rowe Price Retirement 2025 | — | — | — | $6.0M | 3.5% | |
| T. Rowe Price T. Rowe Price Retirement 2020 | — | — | — | $5.1M | 2.9% | |
| T. Rowe Price T. Rowe Price Retirement 2050 | — | — | — | $5.0M | 2.9% | |
| T. Rowe Price T. Rowe Price Retirement 2045 | — | — | — | $4.9M | 2.8% | |
| Goldman Sachs Goldman Sachs Bond Institutional | — | — | — | $4.9M | 2.8% | |
| Voya MidCap Opportunities I | — | — | — | $4.3M | 2.5% | |
| Participants Participant notes receivable bearing interest at rates from 5.25 to 10.50 percent - | — | — | — | $3.2M | 1.8% | |
| Vanguard Selected Value Inv | — | — | — | $2.6M | 1.5% | |
| BlackRock High Yield Bond Institutional | — | — | — | $2.2M | 1.3% | |
| Fidelity Extended Market Index | — | — | — | $858K | 0.5% | |
| Fidelity Total International Index | — | — | — | $845K | 0.5% | |
| T. Rowe Price T. Rowe Price Retirement Balanced | — | — | — | $824K | 0.5% | |
| Fidelity US Bond Index | — | — | — | $769K | 0.4% | |
| PIMCO Real Return A | — | — | — | $442K | 0.3% | |
| T. Rowe Price T. Rowe Price Retirement 2065 | — | — | — | $354K | 0.2% | |
| T. Rowe Price T. Rowe Price Retirement 2060 | — | — | — | $351K | 0.2% | |
| T. Rowe Price T. Rowe Price Retirement 2010 | — | — | — | $204K | 0.1% | |
| T. Rowe Price T. Rowe Price Retirement 2015 | — | — | — | $156K | <0.1% | |
| Invesco Developing Markets A | — | — | — | $49K | <0.1% |