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Original filing (PDF)20251015133529NAL0006257840001
CRETE MECHANICAL GROUP, INC.
Form 5500
FILING_RECEIVED
CRETE MECHANICAL GROUP, INC. 401(K) PLAN
401(k) retirement plan
Active participants
1,363
Accounts w/ balance
1,027
Plan assets (EOY)
$116.3M
Net assets (EOY)
$116.3M
How this plan invests
This plan
3 pooled trusts
Schedule D
47 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 26 bps in Schedule C fees — 159% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CRETE MECHANICAL GROUP, INC..
Plan sponsor
Name
CRETE MECHANICAL GROUP, INC.
EIN
85-3064334
Address
3600 SOUTH BOULEVARD SUITE 400 · CHARLOTTE, NC · 28209
Phone
(813) 789-5079
Industry
Plumbing, Heating, AC Contractors· 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)
3D · Pre-approved plan (master / prototype / VS)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $173K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENT ADVISORS LLC | — | DALLAS, TX | INVESTMENT ADVISOR | $75K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $54K | — |
| EMPOWER FINANCIAL SERVICES, INC. | — | GREENWOOD VILLAGE, CO | SHAREHOLDER SERVICES | $0 | — |
Investments
45 direct securities · 3 pooled funds· $116.3M(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
$96.3M
44 holdings
Mutual Funds
$17.5M
1 holding
Common Collective Trust
$2.5M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2030 Trgt Date Retire R6 | Mutual Funds | — | — | $17.5M | 15.1% | |
| American Funds 2035 Trgt Date Retire R6 | — | — | — | $12.6M | 10.9% | |
| Fidelity Investments 500 Index | — | — | — | $10.2M | 8.8% | |
| American Funds 2040 Trgt Date Retire R6 | — | — | — | $10.0M | 8.6% | |
| American Funds 2025 Trgt Date Retire R6 | — | — | — | $9.0M | 7.7% | |
| American Funds 2050 Trgt Date Retire R6 | — | — | — | $5.8M | 5.0% | |
| American Funds 2045 Trgt Date Retire R6 | — | — | — | $4.8M | 4.1% | |
| American Funds 2020 Trgt Date Retire R6 | — | — | — | $4.4M | 3.8% | |
| Fully Benefit-Responsive Investment Contracts * Empower Life & Annuity Insurance Company of NY EI Fixed Account - Series Class I | — | — | — | $4.4M | 3.8% | |
| Western Asset Core Bond Is | — | — | — | $4.2M | 3.6% | |
| Fidelity Investments Total International Index | — | — | — | $4.0M | 3.4% | |
| American Funds 2055 Trgt Date Retire R6 | — | — | — | $3.4M | 2.9% | |
| American Funds 2015 Trgt Date Retire R6 | — | — | — | $3.4M | 2.9% | |
| American Funds 2060 Trgt Date Retire R6 | — | — | — | $2.1M | 1.8% | |
| Self-Directed Brokerage Accounts * Empower Trust Company Corporate Stocks | — | — | — | $2.0M | 1.7% | |
| MORLEY STABLE VALUE CL 25 - I MORLEY STABLE VALUE FUND · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $1.9M | 1.6% | |
| Fidelity Investments Mid Cap Index | — | — | — | $1.8M | 1.5% | |
| PGIM Jennison Growth R6 | — | — | — | $1.7M | 1.5% | |
| DREYFUS Government Cash Mgmt Inst | — | — | — | $1.7M | 1.5% | |
| Participant Loans*** Various interest rates ranging from 4.25% to 9.50% | — | — | — | $1.6M | 1.4% | |
| American Funds 2065 Trgt Date Retire R6 | — | — | — | $1.5M | 1.3% | |
| Fidelity Investments Small Cap Index | — | — | — | $1.4M | 1.2% | |
| JP Morgan Equity Income R6 | — | — | — | $1.1M | 0.9% | |
| PIMCO Income Instl | — | — | — | $792K | 0.7% | |
| Black Rock Mid-cap Growth Equity K | — | — | — | $752K | 0.6% | |
| MFS Investment Management Intl Diversification R6 | — | — | — | $648K | 0.6% | |
| RELIANCE METLIFE SERIES 25053 CL 0 RELIANCE TRUST CT OR SVF · EIN 58-1428634 / PN 013 | Common Collective Trust | — | — | $611K | 0.5% | |
| American Funds 2010 Trgt Date Retire R6 | — | — | — | $492K | 0.4% | |
| PGIM US Real Estate R6 | — | — | — | $469K | 0.4% | |
| Empower Trust Company Money Market Funds | — | — | — | $370K | 0.3% | |
| Dimensional Fund Advisors DFA International | — | — | — | $344K | 0.3% | |
| Dimensional Fund Advisors DFA U.S. Large-cap | — | — | — | $283K | 0.2% | |
| Dimensional Fund Advisors DFA Short-term | — | — | — | $251K | 0.2% | |
| Schwab Funds Schwab S&P 500 | — | — | — | $156K | 0.1% | |
| Allspring Small Company Value R6 | — | — | — | $142K | 0.1% | |
| Dimensional Fund Advisors DFA U.S. Large | — | — | — | $116K | <0.1% | |
| Dimensional Fund Advisors DFA U.S. Micro-cap | — | — | — | $112K | <0.1% | |
| Dimensional Fund Advisors DFA U.S. Small-cap | — | — | — | $97K | <0.1% | |
| MFS Investment Management Mid Cap Value R6 | — | — | — | $88K | <0.1% | |
| Dimensional Fund Advisors DFA Investment | — | — | — | $83K | <0.1% | |
| Dimensional Fund Advisors DFA Global Real | — | — | — | $70K | <0.1% | |
| Dimensional Fund Advisors DFA Emerging | — | — | — | $44K | <0.1% | |
| Dimensional Fund Advisors DFA U.S. Core | — | — | — | $40K | <0.1% | |
| Alger Small Cap Focus Y | — | — | — | $29K | <0.1% | |
| Dimensional Fund Advisors DFA Commodity | — | — | — | $25K | <0.1% | |
| Empower Trust Company Corporate Bonds | — | — | — | $10K | <0.1% | |
| Eaton Vance Management Eaton Vance Enhanced | — | — | — | $5K | <0.1% | |
| FIDELITY ADVISOR STABLE VALUE PORT FIDELITY ADVISOR · EIN 04-3022712 / PN 026 | Common Collective Trust | — | — | $0 | <0.1% |