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Original filing (PDF)20251014123409NAL0003954976001
CONSTRUCTORS INCORPORATED
Form 5500
FILING_RECEIVED
CONSTRUCTORS, INCORPORATED 401(K) PLAN
401(k) retirement plan
Signals · 1
47% in single holding
Active participants
273
Accounts w/ balance
304
Plan assets (EOY)
$10.6M
Net assets (EOY)
$10.6M
How this plan invests
This plan
1 pooled trust
Schedule D
5 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
77
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Transamerica Multiple Funds Variable" is 47% of plan.
- 69 bps in Schedule C fees — 138% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CONSTRUCTORS INCORPORATED.
Plan sponsor
Name
CONSTRUCTORS INCORPORATED
EIN
85-0135619
Address
3003 S BOYD DRIVE · CARLSBAD, NM · 88220
Phone
(575) 885-8838
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
2U · Association Retirement Plan
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WHITLEY PENN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA FINANCIAL LIFE INS CO | 36-6071399 | — | RECORDKEEPER | $55K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA FINANCIAL GROUP | 30-0588666 | — | BROKER | — | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PENSION PLANNING CONSULTANTS, INC. | 85-0402842 | — | THIRD PARTY ADMINISTRATO | $11K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LEAFHOUSE FINANCIAL ADVISORS, LLC | 26-4311657 | — | INVESTMENT AD VISORY - PL | $6K | — |
| CI CONSTRUCTION SERVICES INC | 38-3985677 | — | PLAN SPONSOR | $2K | — |
Investments
4 direct securities · 1 pooled fund· $20.3M(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
$10.8M
4 holdings
Pooled Separate Account
$9.5M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Transamerica Multiple Funds Variable | — | — | — | $9.5M | 89.6% | |
| MULTIPLE FUNDS VARIABLE TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY · EIN 36-6071399 / PN 001 | Pooled Separate Account | — | — | $9.5M | 89.6% | |
| Transamerica Stable Value Core Account | — | — | — | $683K | 6.5% | |
| Participant Loans maturities through 2028 - | — | — | — | $346K | 3.3% | |
| Participant Loans 10.50%, maturities through 2029 - | — | — | — | $325K | 3.1% |