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Original filing (PDF)20251015105012NAL0006013184001
MOUNTAIN STATES CONSTRUCTORS, INC.
Form 5500
FILING_RECEIVED
MOUNTAIN STATES CONSTRUCTORS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
266
Accounts w/ balance
461
Plan assets (EOY)
$23.5M
Net assets (EOY)
$23.5M
How this plan invests
This plan
76 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 35 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MOUNTAIN STATES CONSTRUCTORS, INC..
Plan sponsor
Name
MOUNTAIN STATES CONSTRUCTORS, INC.
EIN
85-0276974
Address
3601 PAN AMERICAN FREEWAY NE # 111 · ALBUQUERQUE, NM · 87108
Phone
(505) 292-0108
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PELTIER, GUSTAFSON, & MILLER, P.A.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsCustodian
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156830 | COLUMBUS, OH | CUSTODIAN | $12K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PATTISON PENSION SPECIALISTS, INC. | 85-0437924 | ALBUQUERQUE, NM | THIRD PARTY ADMINISTRATO | $18K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RBC CAPITAL MARKETS CORP, LLC | 41-1416330 | MINNEAPOLIS, MN | ADVISER | $52K | — |
Investments
74 direct securities· $45.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vngrd Intmdtrminvmtgrd Inv 1689517.3813 shares | — | — | $1.7M | $2.8M | 11.9% | |
| Vanguard Intermediate-Term Investment-Grade Inv Mutual fund (Registered Investment Co.} | — | — | — | $2.8M | 11.9% | |
| Mfs Mass Inv Gr Stk R4 309511.8204 shares | — | — | $310K | $1.7M | 7.3% | |
| MFS Massachusetts Investors Growth Stock R4 Mutual fund (Registered Investment Co.} | — | — | — | $1.7M | 7.3% | |
| Vngrd Divd Gr Inv 263138.4425 shares | — | — | $263K | $1.5M | 6.3% | |
| Vanguard Dividend Growth Inv Mutual fund (Registered Investment Co.} | — | — | — | $1.5M | 6.3% | |
| Nw S P 500 Indx R6 223911.9138 shares | — | — | $224K | $1.3M | 5.4% | |
| Nationwide S&P 500 Index R6 Mutual fund (Registered Investment Co.} | — | — | — | $1.3M | 5.4% | |
| Participant loans var. mat. dates & interest | — | — | — | $1.2M | 5.1% | |
| Money market mutual fund Federated Govt Obligations Fd Prmr (Registered Investment Co.} | — | — | — | $1.2M | 5.0% | |
| Fed Hrms Gov Oblgtns Prmr 1030720.2081 units | — | — | $1.0M | $1.2M | 5.0% | |
| Vngrd Trgt Rtrmt 2050 Inv 377300.3289 shares | — | — | $377K | $1.2M | 5.0% | |
| Vanguard Target Retirement 2050 Inv Mutual fund (Registered Investment Co.} | — | — | — | $1.2M | 5.0% | |
| Various maturity dates through 2033, * Participant loans Interest rate of 4.25% - 9.50% | — | — | — | $1.2M | 5.0% | |
| Vngrd Trgt Rtrmt 2045 Inv 373413.3516 shares | — | — | $373K | $1.2M | 4.9% | |
| Vanguard Target Retirement 2045 Inv Mutual fund (Registered Investment Co.} | — | — | — | $1.2M | 4.9% | |
| Vngrd Trgt Rtrmt 2040 Inv 379344.6735 shares | — | — | $379K | $1.1M | 4.8% | |
| Vanguard Target Retirement 2040 Inv Mutual fund (Registered Investment Co.} | — | — | — | $1.1M | 4.8% | |
| Vanguard Mid Cap Growth Inv Mutual fund (Registered Investment Co.} | — | — | — | $1.0M | 4.3% | |
| Vngrd Mdcap Gr Inv 308971.9049 shares | — | — | $309K | $1.0M | 4.3% | |
| Vngrd Trgt Rtrmt 2035 Inv 359925.8021 shares | — | — | $360K | $997K | 4.2% | |
| Vanguard Target Retirement 2035 Inv Mutual fund (Registered Investment Co.} | — | — | — | $997K | 4.2% | |
| Invsco Gr Inc Y 214569.2152 shares | — | — | $215K | $920K | 3.9% | |
| Invesco Growth and Income Y Mutual fund (Registered Investment Co.} | — | — | — | $920K | 3.9% | |
| Vngrd Intl Gr Adml 341598.1957 shares | — | — | $342K | $815K | 3.5% | |
| Invesco Mn St Mdcap Y 275493.4266 shares | — | — | $275K | $770K | 3.3% | |
| Invesco Main Street Mid Cap Y Mutual fund (Registered Investment Co.} | — | — | — | $770K | 3.3% | |
| Vngrd Trgt Rtrmt 2030 Inv 272683.5415 shares | — | — | $273K | $699K | 3.0% | |
| Vanguard Target Retirement 2030 Inv Mutual fund (Registered Investment Co.} | — | — | — | $699K | 3.0% | |
| Vngrd Trgt Rtrmt 2020 Inv 318810.7668 shares | — | — | $319K | $690K | 2.9% | |
| Vanguard Target Retirement 2020 Inv Mutual fund (Registered Investment Co.} | — | — | — | $690K | 2.9% | |
| Vanguard Target Retirement 2025 Inv Mutual fund (Registered Investment Co.} | — | — | — | $676K | 2.9% | |
| Vngrd Trgt Rtrmt 2025 Inv 284851.1427 shares | — | — | $285K | $676K | 2.9% | |
| Invsco Emrg Mkt Allcap R5 536853.0940 shares | — | — | $537K | $669K | 2.8% | |
| Invesco Emerging Markets Allcap R6 Mutual fund (Registered Investment Co.} | — | — | — | $669K | 2.8% | |
| Vngrd Trgt Rtrmt 2060 Inv 208632.4402 shares | — | — | $209K | $654K | 2.8% | |
| Vanguard Target Retirement 2060 Inv Mutual fund (Registered Investment Co.} | — | — | — | $654K | 2.8% | |
| Vngrd Sel Val Inc 140429.5065 shares | — | — | $140K | $624K | 2.7% | |
| Vanguard Selected Value Mutual fund (Registered Investment Co.} | — | — | — | $624K | 2.7% | |
| Vngrd Trgt Rtrmt 2070 Inv 212646.5199 shares | — | — | $213K | $301K | 1.3% | |
| Vanguard Target Retirement 2070 Inv Mutual fund (Registered Investment Co.} | — | — | — | $301K | 1.3% | |
| Lrdabt Shrt Dur Inc R5 243922.5054 shares | — | — | $244K | $300K | 1.3% | |
| Vanguard Short-Term Investment-Grade Inv Mutual fund (Registered Investment Co.} | — | — | — | $298K | 1.3% | |
| Vngrd St Invmt Grd Inv 249163.9541 shares | — | — | $249K | $298K | 1.3% | |
| Ambcn Bal R5 206430.2860 shares | — | — | $206K | $242K | 1.0% | |
| American Beacon Balanced Inst Mutual fund (Registered Investment Co.} | — | — | — | $242K | 1.0% | |
| Vanguard Target Retirement 2055 Inv Mutual fund (Registered Investment Co.} | — | — | — | $157K | 0.7% | |
| Vngrd Trgt Rtrmt 2055 Inv 50158.0688 shares | — | — | $50K | $157K | 0.7% | |
| Vngrd Trgt Rtrmt 2065 Inv 70511.5708 shares | — | — | $71K | $126K | 0.5% | |
| Vanguard Target Retirement 2065 Inv Mutual fund (Registered Investment Co.} | — | — | — | $126K | 0.5% | |
| Vngrd Smcap Gr Indx Adml 38439.7335 shares | — | — | $38K | $89K | 0.4% | |
| Vanguard Small Cap Growth Index Adml Mutual fund (Registered Investment Co.} | — | — | — | $89K | 0.4% | |
| Jpm Smcap Gr R6 41784.9477 shares | — | — | $42K | $60K | 0.3% | |
| Jpm Small Cap Growth R6 Mutual fund (Registered Investment Co.} | — | — | — | $60K | 0.3% | |
| Nw Nyse Arctch100indx R6 7192.2509 shares | — | — | $7K | $28K | 0.1% | |
| Nationwide Ziegler NYSE Arca Tech 100 Index R6 Mutual fund (Registered Investment Co.} | — | — | — | $28K | 0.1% | |
| Prncpl Mdcap Gr Inst 5040.0071 shares | — | — | $5K | $21K | <0.1% | |
| Principal MidCap Growth Inst Mutual fund (Registered Investment Co.} | — | — | — | $21K | <0.1% | |
| Vngrd Realest Indx Adml 9485.2921 shares | — | — | $9K | $17K | <0.1% | |
| Vanguard Real Estate Index Adml Mutual fund (Registered Investment Co.} | — | — | — | $17K | <0.1% | |
| Putnam Convertible Securities Y Mutual fund (Registered Investment Co.} | — | — | — | $17K | <0.1% | |
| Ptnm Conv Sec Y 7733.2695 shares | — | — | $8K | $17K | <0.1% | |
| Vngrd Strat Eq Inv 2578.0831 shares | — | — | $3K | $15K | <0.1% | |
| Vanguard Strategic Equity Inv Mutual fund (Registered Investment Co.} | — | — | — | $15K | <0.1% | |
| Vngrd Hlth Care Inv 3416.9929 shares | — | — | $3K | $15K | <0.1% | |
| Vanguard Health Care Mutual fund (Registered Investment Co.} | — | — | — | $15K | <0.1% | |
| Principal Equity Income Inst Mutual fund (Registered Investment Co.} | — | — | — | $15K | <0.1% | |
| Prncpl Eq Inc I Inst 4067.8015 shares | — | — | $4K | $15K | <0.1% | |
| Amcent Bal Inst 5706.2248 shares | — | — | $6K | $12K | <0.1% | |
| American Century Balanced R5 Mutual fund (Registered Investment Co.} | — | — | — | $12K | <0.1% | |
| Vanguard Target Retirement Income Mutual fund (Registered Investment Co.} | — | — | — | $7K | <0.1% | |
| Vngrd Trgt Rtrmt Inc 4309.8348 shares | — | — | $4K | $7K | <0.1% | |
| Vanguard Total Stock Market Index Fd Ad Mutual fund (Registered Investment Co.} | — | — | — | $5K | <0.1% | |
| Vngrd Ttl Stmkt Indx Fd As 1412.1039 shares | — | — | $1K | $5K | <0.1% |