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Original filing (PDF)20251007091513NAL0002534051001

KL&A, INC.

Form 5500
FILING_RECEIVED
KL&A, INC. 401(K) PLAN AND TRUST
401(k) retirement plan
Active participants
110
Accounts w/ balance
125
Plan assets (EOY)
$17.3M
Net assets (EOY)
$17.3M
How this plan invests
This plan
14 pooled trusts
Schedule D
254 securities
funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)
95
/ 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
100
Participation health
100
Knocking points off
  • 38 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KL&A, INC..
Plan sponsor
Name
KL&A, INC.
EIN
94-3216913
Address
1717 WASHINGTON AVENUE SUITE 100 · GOLDEN, CO · 80401
Phone
(970) 776-4819
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
2025-10-07
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
WIPFLI, LLC
Trustee / custodian
Trustee phone

Service providers (Schedule C)

4 rows
Recordkeeper
1
NameEINLocationRelationDirect compIndirect comp
EMPOWER ANNUITY INSURANCE COMPANY OGREENWOOD VILLAGE, CORECORDKEEPER$20K
Advisor / Consultant
1
NameEINLocationRelationDirect compIndirect comp
NFP RETIREMENT INC.ALISO VIEJO, CAINVESTMENT ADVISOR$36K
Other
2
NameEINLocationRelationDirect compIndirect comp
EMPOWER ADVISORY GROUP, LLCGREENWOOD VILLAGE, COINVESTMENT MGMT$6K
ACEC RETIREMENT TRUSTROSWELL, GAOTHER$4K

Investments

227 direct securities · 14 pooled funds· $17.3M(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
$7.5M
10 holdings
Uncategorized
$6.8M
227 holdings
Pooled Separate Account
$3.0M
4 holdings
PIInvestmentTypeShares / unitsCostCurrent value% of plan
FIDELITY FREEDOM BLEND 2045 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 094
Common Collective Trust
$2.4M13.8%
FIDELITY FREEDOM BLEND 2055 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 113
Common Collective Trust
$1.8M10.5%
FIDELITY FREEDOM BLEND 2035 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 092
Common Collective Trust
$1.7M9.7%
LARGE CAP GROWTH / JENNISON FUND
EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 408
Pooled Separate Account
$1.6M9.5%
FUTUREFUNDS SERIES ACCOUNT II
EMPOWER ANNUITY INSURANCE COMPANY · EIN 84-0467907 / PN 003
Pooled Separate Account
$606K3.5%
CORE PLUS BOND / PGIM FUND
EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 299
Pooled Separate Account
$604K3.5%
VICTORY SMALL CAP VALUE COLLECTIVE
GLOBAL TRUST COMPANY · EIN 90-6240599 / PN 008
Common Collective Trust
$587K3.4%
FIDELITY FREEDOM BLEND 2065 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 168
Common Collective Trust
$521K3.0%
FIDELITY FREEDOM BLEND 2025 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 090
Common Collective Trust
$448K2.6%
SPARTAN LARGE CAP VALUE INDEX POOL$350K2.0%
FIAM TARGET DATE BLUE CHIP GROWTH C$295K1.7%
SPARTAN LARGE CAP VALUE INDEX POOL$266K1.5%
FIAM EMERGING MARKETS OPPORTUNITIES$255K1.5%
FIAM TARGET DATE BLUE CHIP GROWTH C$224K1.3%
FIAM EMERGING MARKETS OPPORTUNITIES$193K1.1%
FIAM TARGET DATE LARGE CAP STOCK CO$189K1.1%
SPARTAN LARGE CAP GROWTH INDEX POOL$188K1.1%
SPARTAN LARGE CAP VALUE INDEX POOL$187K1.1%
FIAM INTERNATIONAL EQUITY VALUE COM$167K1.0%
FIAM OVERSEAS COMMINGLED POOL$166K1.0%
FIAM INTERNATIONAL EQUITY GROWTH CO$166K1.0%
MID CAP VALUE / ROBECO BOSTON PTNRS
EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 440
Pooled Separate Account
$163K0.9%
FIAM TARGET DATE BLUE CHIP GROWTH C$159K0.9%
FIAM EMERGING MARKETS OPPORTUNITIES$150K0.9%
FIAM TARGET DATE LARGE CAP STOCK CO$144K0.8%
SPARTAN LARGE CAP GROWTH INDEX POOL$142K0.8%
FIAM TARGET DATE VALUE DISCOVERY CO$127K0.7%
FIAM INTERNATIONAL EQUITY VALUE COM$126K0.7%
FIAM OVERSEAS COMMINGLED POOL$126K0.7%
FIAM INTERNATIONAL EQUITY GROWTH CO$126K0.7%
SPARTAN LARGE CAP GROWTH INDEX POOL$101K0.6%
FIAM TARGET DATE LARGE CAP STOCK CO$100K0.6%
FIAM TARGET DATE LONG TERM TREASURY$97K0.6%
FIAM SMALL CAP CORE POOL$93K0.5%
FIAM INTERNATIONAL EQUITY VALUE COM$90K0.5%
FIAM OVERSEAS COMMINGLED POOL$90K0.5%
FIAM INTERNATIONAL EQUITY GROWTH CO$90K0.5%
FIAM TARGET DATE GOVERNMENT BOND IN$81K0.5%
FIAM TARGET DATE FIXED INCOME COMMI$79K0.5%
FIAM TARGET DATE LONG TERM TREASURY$77K0.4%
SPARTAN LARGE CAP VALUE INDEX POOL$76K0.4%
FIAM TARGET DATE LONG TERM TREASURY$73K0.4%
FIAM SMALL CAP CORE POOL$70K0.4%
FIAM TARGET DATE CANADA COMMINGLED$70K0.4%
FIAM TARGET DATE VALUE DISCOVERY CO$68K0.4%
FIAM SELECT EMERGING MARKETS EQUITY$64K0.4%
FIAM TARGET DATE BLUE CHIP GROWTH C$64K0.4%
SPARTAN INTERNATIONAL INDEX POOL A$63K0.4%
FIAM EMERGING MARKETS OPPORTUNITIES$57K0.3%
FIAM INTL DEVMK BD A$54K0.3%
FIAM TARGET DATE CANADA COMMINGLED$53K0.3%
FIAM TARGET DATE CORPORATE BOND COM$52K0.3%
FIAM TARGET DATE INVESTMENT GRADE S$50K0.3%
FIAM SMALL CAP CORE POOL$50K0.3%
FIAM SELECT EMERGING MARKETS EQUITY$49K0.3%
SPARTAN INTERNATIONAL INDEX POOL A$48K0.3%
FIAM TARGET DATE 5+ YEAR INFLATION-$42K0.2%
FIAM TARGET DATE LARGE CAP STOCK CO$41K0.2%
SPARTAN LARGE CAP GROWTH INDEX POOL$41K0.2%
FIAM SELECT INTERNATIONAL SMALL CAP$39K0.2%
FIAM TARGET DATE CANADA COMMINGLED$38K0.2%
SPARTAN LARGE CAP VALUE INDEX POOL$38K0.2%
FIAM INTERNATIONAL EQUITY VALUE COM$36K0.2%
FIAM OVERSEAS COMMINGLED POOL -$36K0.2%
FIAM INTERNATIONAL EQUITY GROWTH CO$36K0.2%
SPARTAN INTERNATIONAL INDEX POOL A$34K0.2%
FIAM TARGET DATE GOVERNMENT BOND IN$34K0.2%
FIAM TARGET DATE FIXED INCOME COMMI$33K0.2%
FIAM SELECT EMERGING MARKETS EQUITY$32K0.2%
FIAM EMERGING MARKETS OPPORTUNITIES$32K0.2%
FIAM TARGET DATE BLUE CHIP GROWTH C$32K0.2%
FIAM SELECT INTERNATIONAL SMALL CAP$29K0.2%
FIAM TARGET DATE VALUE DISCOVERY CO$28K0.2%
FIAM SELECT INTERNATIONAL SMALL CAP$27K0.2%
FIAM TARGET DATE CORPORATE BOND COM$22K0.1%
FIAM TARGET DATE LONG TERM TREASURY$21K0.1%
FIAM TARGET DATE INVESTMENT GRADE S$21K0.1%
SPARTAN LARGE CAP GROWTH INDEX POOL$20K0.1%
FIAM SMALL CAP CORE POOL$20K0.1%
FIDELITY FREEDOM BLEND 2050 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 095
Common Collective Trust
$20K0.1%
FIAM TARGET DATE LARGE CAP STOCK CO$20K0.1%
FIAM INTERNATIONAL EQUITY VALUE COM$19K0.1%
FIAM OVERSEAS COMMINGLED POOL -$19K0.1%
FIAM INTERNATIONAL EQUITY GROWTH CO$19K0.1%
FIAM TARGET DATE 5+ YEAR INFLATION$18K0.1%
FIAM INTL DEVMK BD A$18K0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$17K<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$17K<0.1%
FIAM TARGET DATE LONG TERM TREASURY$17K<0.1%
FIAM TARGET DATE CANADA COMMINGLED$15K<0.1%
FIDELITY FREEDOM BLEND 2060 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 147
Common Collective Trust
$14K<0.1%
SPARTAN INTERNATIONAL INDEX POOL A$14K<0.1%
FIAM TARGET DATE VALUE DISCOVERY CO$14K<0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$13K<0.1%
FIAM SELECT EMERGING MARKETS EQUITY$13K<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$13K<0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$12K<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$12K<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$11K<0.1%
FIAM SMALL CAP CORE POOL$10K<0.1%
FIAM SELECT INTERNATIONAL SMALL CAP$8K<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$8K<0.1%
FIAM SELECT EMERGING MARKETS EQUITY$8K<0.1%
FIAM TARGET DATE CANADA COMMINGLED$8K<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$7K<0.1%
FIAM SELECT INTERNATIONAL SMALL CAP$7K<0.1%
SPARTAN INTERNATIONAL INDEX POOL A$7K<0.1%
SPARTAN COMMODITY INDEX POOL$5K<0.1%
FIAM EMERGING MARKETS DEBT LOCAL CU$4K<0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$4K<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$4K<0.1%
SPARTAN COMMODITY INDEX POOL$4K<0.1%
FIAM FLOATING RATE HIGH INCOME COMM$4K<0.1%
SPARTAN COMMODITY INDEX POOL -$3K<0.1%
FIAM EMERGING MARKETS DEBT LOCAL CU$3K<0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$3K<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$3K<0.1%
SPARTAN LARGE CAP VALUE INDEX POOL$3K<0.1%
FIAM EMERGING MARKETS DEBT LOCAL CU$3K<0.1%
FIAM FLOATING RATE HIGH INCOME COMM$3K<0.1%
FIAM TARGET DATE BLUE CHIP GROWTH C$2K<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$2K<0.1%
FIAM FLOATING RATE HIGH INCOME COMM$2K<0.1%
FIAM EMERGING MARKETS OPPORTUNITIES$2K<0.1%
SPARTAN LARGE CAP VALUE INDEX POOL$2K<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$2K<0.1%
FIAM TARGET DATE BLUE CHIP GROWTH C$2K<0.1%
FIDELITY FREEDOM BLEND 2030 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 091
Common Collective Trust
$2K<0.1%
FIAM TARGET DATE TREASURY BILL INDE$2K<0.1%
FIAM TARGET DATE LARGE CAP STOCK CO$2K<0.1%
SPARTAN LARGE CAP GROWTH INDEX POOL$2K<0.1%
FIAM EMERGING MARKETS OPPORTUNITIES$1K<0.1%
FIAM INTERNATIONAL EQUITY VALUE COM$1K<0.1%
FIAM OVERSEAS COMMINGLED POOL$1K<0.1%
FIAM INTERNATIONAL EQUITY GROWTH CO$1K<0.1%
FIAM INSTITUTIONAL CASH COMMINGLED$1K<0.1%
FIAM TARGET DATE TREASURY BILL INDE$1K<0.1%
FIAM TARGET DATE 5+ YEAR INFLATION$1K<0.1%
FIDELITY FREEDOM BLEND 2040 COMMING
FIDELITY INVESTMENTS · EIN 20-4659714 / PN 093
Common Collective Trust
$1K<0.1%
FIAM TARGET DATE TREASURY BILL INDE$1K<0.1%
FIAM TARGET DATE LARGE CAP STOCK CO$1K<0.1%
SPARTAN LARGE CAP GROWTH INDEX POOL$1K<0.1%
FIAM TARGET DATE VALUE DISCOVERY CO$1K<0.1%
SPARTAN COMMODITY INDEX POOL$1K<0.1%
FIAM INTERNATIONAL EQUITY VALUE COM$978<0.1%
FIAM OVERSEAS COMMINGLED POOL -$975<0.1%
FIAM INTERNATIONAL EQUITY GROWTH CO$974<0.1%
FIAM INSTITUTIONAL CASH COMMINGLED$936<0.1%
FIAM EMERGING MARKETS DEBT LOCAL CU$916<0.1%
FIAM TARGET DATE 5+ YEAR INFLATION$903<0.1%
SPARTAN COMMODITY INDEX POOL$899<0.1%
FIAM TARGET DATE LONG TERM TREASURY$816<0.1%
FIAM SMALL CAP CORE POOL$783<0.1%
FIAM FLOATING RATE HIGH INCOME COMM$777<0.1%
FIAM TARGET DATE VALUE DISCOVERY CO$746<0.1%
FIAM EMERGING MARKETS DEBT LOCAL CU$744<0.1%
FIAM FLOATING RATE HIGH INCOME COMM$589<0.1%
FIAM TARGET DATE CANADA COMMINGLED$588<0.1%
FIAM INSTITUTIONAL CASH COMMINGLED$587<0.1%
FIAM TARGET DATE LONG TERM TREASURY$566<0.1%
FIAM SELECT EMERGING MARKETS EQUITY$544<0.1%
FIAM SMALL CAP CORE POOL$544<0.1%
SPARTAN INTERNATIONAL INDEX POOL A$535<0.1%
FIAM TARGET DATE CANADA COMMINGLED$408<0.1%
FIAM SELECT EMERGING MARKETS EQUITY$378<0.1%
FIAM TARGET DATE TREASURY BILL INDE$372<0.1%
SPARTAN INTERNATIONAL INDEX POOL A$372<0.1%
FIAM SELECT INTERNATIONAL SMALL CAP$325<0.1%
FIAM TARGET DATE TREASURY BILL INDE$295<0.1%
FIAM TARGET DATE 5+ YEAR INFLATION-$253<0.1%
FIAM INSTITUTIONAL CASH COMMINGLED$248<0.1%
FIAM SELECT INTERNATIONAL SMALL CAP$226<0.1%
SPARTAN LARGE CAP VALUE INDEX POOL$158<0.1%
FIAM INSTITUTIONAL CASH COMMINGLED$149<0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$146<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$143<0.1%
FIAM TARGET DATE BLUE CHIP GROWTH C$134<0.1%
FIAM EMERGING MARKETS OPPORTUNITIES$129<0.1%
FIAM EMERGING MARKETS OPPORTUNITIES$116<0.1%
FIAM TARGET DATE GOVERNMENT BOND IN$111<0.1%
FIAM TARGET DATE FIXED INCOME COMMI$107<0.1%
FIAM TARGET DATE 0-5 YEAR INFLATION$101<0.1%
FIAM EMERGING MARKETS DEBT COMMINGL$99<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$91<0.1%
FIAM TARGET DATE 5+ YEAR INFLATION$88<0.1%
FIAM TARGET DATE LARGE CAP STOCK CO$86<0.1%
FIAM INTERNATIONAL EQUITY VALUE COM$78<0.1%
FIAM OVERSEAS COMMINGLED POOL$78<0.1%
FIAM INTERNATIONAL EQUITY VALUE COM$75<0.1%
FIAM OVERSEAS COMMINGLED POOL$75<0.1%
FIAM TARGET DATE CORPORATE BOND COM$71<0.1%
FIAM TARGET DATE LONG TERM TREASURY$70<0.1%
FIAM INTL DEVMK BD A$65<0.1%
FIAM HIGH YIELD BOND COMMINGLED POO$63<0.1%
FIAM TARGET DATE VALUE DISCOVERY CO$58<0.1%
FIAM TARGET DATE LONG TERM TREASURY$54<0.1%
FIAM SMALL CAP CORE POOL$42<0.1%
SPARTAN COMMODITY INDEX POOL$40<0.1%
FIAM EMERGING MARKETS DEBT LOCAL CU$36<0.1%
FIAM SELECT EMERGING MARKETS EQUITY$33<0.1%
Showing top 200 of 241 investments by value.

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