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Original filing (PDF)20251003121557NAL0000850867001
EARTH SYSTEMS, INC.
Form 5500
FILING_RECEIVED
EARTH SYSTEMS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
25% in single holdingNo recordkeeper disclosed
Active participants
106
Accounts w/ balance
156
Plan assets (EOY)
$23.0M
Net assets (EOY)
$23.0M
How this plan invests
This plan
2 pooled trusts
Schedule D
13 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
87
Total plan cost
80
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Reliance Advisory Trust Inv40 Common collective trust" is 25% of plan.
- 36 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 EARTH SYSTEMS, INC..
Plan sponsor
Name
EARTH SYSTEMS, INC.
EIN
94-1712756
Address
P.O. BOX 4259 · SAN LUIS OBISPO, CA · 934034259
Phone
(805) 781-0112
Industry
Engineering Services· Professional & Technical Servicessee 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
2025-10-03
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CALIBER AUDIT & ATTEST, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $82K | — |
Investments
12 direct securities · 2 pooled funds· $44.3M(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
$22.5M
2 holdings
Uncategorized
$21.8M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| RELIANCE ADVISORY TRUST PORTFOLIOS RELIANCE TRUST COMPANY · EIN 46-6634600 / PN 001 | Common Collective Trust | — | — | $21.4M | 93.3% | |
| Reliance Advisory Trust Inv40 Common collective trust | — | — | — | $5.8M | 25.1% | |
| Reliance Advisory Trust Inv80 Common collective trust | — | — | — | $4.0M | 17.3% | |
| Reliance Advisory Trust Inv20 Common collective trust | — | — | — | $3.4M | 14.9% | |
| Reliance Advisory Trust Large Cap Stock Common collective trust | — | — | — | $2.0M | 8.8% | |
| Reliance Advisory Trust Inv100 Common collective trust | — | — | — | $1.8M | 8.0% | |
| Reliance Advisory Trust Inv60 Common collective trust | — | — | — | $1.4M | 6.1% | |
| GALLIARD RETIREMENT INCOME FUND 35 WILMINGTON TRUST RETIREMENT AND INST SERVICES · EIN 20-5886387 / PN 082 | Common Collective Trust | — | — | $1.1M | 4.8% | |
| Reliance Advisory Trust Small/Mid Cap Stock Common collective trust | — | — | — | $1.0M | 4.5% | |
| Reliance Advisory Trust Inv70 Common collective trust | — | — | — | $898K | 3.9% | |
| Reliance Advisory Trust Bond Common collective trust | — | — | — | $589K | 2.6% | |
| Reliance Advisory Trust International Stock Common collective trust | — | — | — | $494K | 2.2% | |
| Vanguard Balanced Index Adm Mutual fund | — | — | — | $258K | 1.1% | |
| Participant loans Interest rates 5.25%-10.50% - 0 - | — | — | — | $90K | 0.4% |
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