Filings through Oct 24, 2026.

Retirement plan

Associated Builders and Contractors, Inc. Retirement & Savings Plan

Name: ASSOCIATED BUILDERS AND CONTRACTORS, INC. - ASSOCIATED BUILDERS AND CONTRACTORS, INC. RETIREMENT & SAVINGS PLAN (2025) Form 5500
Creator: ASSOCIATED BUILDERS AND CONTRACTORS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ASSOCIATED BUILDERS AND CONTRACTORS, INC. RETIREMENT & SAVINGS PLAN, ASSOCIATED BUILDERS AND CONTRACTORS, INC.

Associated Builders and Contractors, Inc.EIN 52-0579380Plan #001PY 2025

4400 FIRST STREET NW, SUITE 200 - WASHINGTON, DC 200010000202-595-1828ovabc.orgLinkedIn51-200 employeesconstruction

Prospect flagsHigh feesLow participationFailed to transmit contributionsCorrective distributions

Top hat statement on fileNQDC

Filed March 3, 2025 (most recent of 4 filings on file)

Plan administrator

Associated Builders & Contractors

Washington, DC 20001

Email Phone

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Plans declared (6)

Executive Long Term Retention Agreement6 emp
Plan name not on file0 emp
Plan name not on file0 emp
Plan name not on file0 emp
Plan name not on file0 emp
+1 more

Total covered: 6 employees

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Total assets (EOY)

$99.8M

+19.4% from 2024

Total participants

1,984

+17.3% from 2024

Average account balance

$67,323

-6.3% from 2024

Annual return

17.16%

+3.13 pp from 2024

Benchmarks

See 298 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants1,000-4,999

Cohort298 peers

Snapshot2025

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Analytics

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Service providers

Top 7 by compensation

Provider	Service type	Compensation
AMERITAS LIFE INSURANCE CORP3 years Service code 12 · EIN 47-0098400	Contract Administrator; Participant l...	$242,789
FIDUCIARY CONSULTING GROUP4 years Filed as: FIDUCIARY CONSULTING GROUP, INC Service code 12 · EIN 20-2807852	Claims processing; Named fiduciary; P...	$131,516
NORTHWESTERN MUTUAL INVESTMENT SERV4 years Filed as: NORTHWESTERN MUTUAL WEALTH MANAGEME Service code 26 · EIN 39-2018056	Advisory (Participants)	$62,216
FREEGULLIVER, LLC4 years Filed as: FREEGULLIVER, LLC. Service code 26 · EIN 72-1498534	Advisory (Participants)	$46,396
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 82-3967259	Securities Custodian	$17,884
PARK AVENUE SECURITIES LLC1 year Filed as: PARK AVENUE SECURITIES, LLC Service code 26 · EIN 13-4023176	Advisory (Participants)	$16,317
CHARLES SCHWAB & CO., INC.3 years Service code 19	Securities Custodian	$0

Plan features & details

Pension benefit codes2A2E2F2G2J2K2S2T2U3D3H

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$522K

$354 / participant

Trustee / custodial$18K3.4%
Investment mgmt$130K24.9%
Contract admin$374K71.7%

% of EOY assets

0.523%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: LBMC, PC
Auditor EIN: 621199757
Audit fees: (not subdivided)
Opinion code: Unqualified

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Provider

Service type

Compensation

AMERITAS LIFE INSURANCE CORP3 years

Service code 12 · EIN 47-0098400

Contract Administrator; Participant l...

$242,789

FIDUCIARY CONSULTING GROUP4 years

Filed as: FIDUCIARY CONSULTING GROUP, INC

Service code 12 · EIN 20-2807852

Claims processing; Named fiduciary; P...

$131,516

NORTHWESTERN MUTUAL INVESTMENT SERV4 years

Filed as: NORTHWESTERN MUTUAL WEALTH MANAGEME

Service code 26 · EIN 39-2018056

Advisory (Participants)

$62,216

FREEGULLIVER, LLC4 years

Filed as: FREEGULLIVER, LLC.

Service code 26 · EIN 72-1498534

Advisory (Participants)

$46,396

CHARLES SCHWAB & CO., INC.4 years

Filed as: CHARLES SCHWAB BANK

Service code 19 · EIN 82-3967259

Securities Custodian

$17,884

PARK AVENUE SECURITIES LLC1 year

Filed as: PARK AVENUE SECURITIES, LLC

Service code 26 · EIN 13-4023176

Advisory (Participants)

$16,317

CHARLES SCHWAB & CO., INC.3 years

Service code 19

Securities Custodian

Associated Builders and Contractors, Inc. Retirement & Savings Plan

Top hat statement on fileNQDC

Plan administrator

Plans declared (6)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Associated Builders and Contractors, Inc. Retirement & Savings Plan

Top hat statement on fileNQDC

Plan administrator

Plans declared (6)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion