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Original filing (PDF)20251008151647NAL0003105139001
PAPICH CONSTRUCTION COMPANY, INC.
Form 5500
FILING_RECEIVED
PAPICH CONSTRUCTION COMPANY, INC. RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
451
Accounts w/ balance
121
Plan assets (EOY)
$11.4M
Net assets (EOY)
$11.4M
How this plan invests
This plan
10 pooled trusts
Schedule D
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
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
80
Participation health
65
Knocking points off
- 48 bps in Schedule C fees — 66% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 27% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PAPICH CONSTRUCTION COMPANY, INC..
Plan sponsor
Name
PAPICH CONSTRUCTION COMPANY, INC.
EIN
90-0181200
Address
398 SUNRISE TERRACE · ARROYO GRANDE, CA · 93420
Phone
(805) 226-2273
Industry
Constructionsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2A · Age/service weighted or new comparability
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)
3C · Not intended to be qualified
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FARBER HASS HURLEY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN FUNDS | — | LOS ANGELES, CA | PLAN ADMINISTRATOR | $52K | — |
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $2K | — |
Investments
13 direct securities · 10 pooled funds· $11.3M(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.
Common Collective Trust
$8.2M
10 holdings
Uncategorized
$3.1M
12 holdings
Mutual Funds
$40K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME HYBR 2035 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 006 | Common Collective Trust | — | — | $2.7M | 23.5% | |
| PRIN LIFETIME HYBR 2045 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 008 | Common Collective Trust | — | — | $2.2M | 19.3% | |
| PRIN LIFETIME HYBR 2055 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 010 | Common Collective Trust | — | — | $1000K | 8.8% | |
| Principal Trust Company DFA US Large Cap Value Portfolio | — | — | — | $726K | 6.4% | |
| Principal Trust Company AB Large Cap Growth Fund Inc | — | — | — | $682K | 6.0% | |
| PRIN LIFETIME HYBR 2040 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 007 | Common Collective Trust | — | — | $582K | 5.1% | |
| Principal Trust Company Fidelity 500 Index Fund | — | — | — | $499K | 4.4% | |
| PRIN LIFETIME HYBR 2050 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 009 | Common Collective Trust | — | — | $467K | 4.1% | |
| PRIN LIFETIME HYBR 2060 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 012 | Common Collective Trust | — | — | $382K | 3.4% | |
| PRIN LIFETIME HYBR 2030 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 005 | Common Collective Trust | — | — | $356K | 3.1% | |
| PRIN LIFETIME HYBR 2025 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 004 | Common Collective Trust | — | — | $339K | 3.0% | |
| Principal Trust Company Fidelity Total International Index Fund | — | — | — | $321K | 2.8% | |
| Principal Trust Company Fidelity Mid Cap Index Fund | — | — | — | $305K | 2.7% | |
| Principal Trust Company DFA US Targeted Value Portfolio | — | — | — | $247K | 2.2% | |
| PRIN LIFETIME HYBR 2020 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 003 | Common Collective Trust | — | — | $185K | 1.6% | |
| Participant Loans 4.25% -9.50% -0- | — | — | — | $132K | 1.2% | |
| Principal Trust Company Fidelity Small Cap Index Fund | — | — | — | $108K | 0.9% | |
| Principal Trust Company PGIM Total Return Bond Fund | — | — | — | $43K | 0.4% | |
| s - * Principal Trust Company Fidelity US Bond Index ** $ | Mutual Funds | — | — | $40K | 0.4% | |
| PRIN LIFETIME HYBR 2065 CIT Z PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 26-6447574 / PN 013 | Common Collective Trust | — | — | $20K | 0.2% | |
| Fully benefit-responsive investment contract - * Principal Trust Company Principal Guaranteed Option | — | — | — | $10K | <0.1% | |
| Principal Trust Company Hartford Schroders International Multi-Cap | — | — | — | $9K | <0.1% | |
| Principal Trust Company iShares Developed Real Estate Index Fund | — | — | — | $2K | <0.1% |