Filings through Oct 24, 2026.

Retirement plan

James R. Vannoy & Sons 401(k) Profit Sharing Plan

Name: JAMES R. VANNOY & SONS CONSTRUCTION COMPANY, INC. - JAMES R. VANNOY & SONS 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: JAMES R. VANNOY & SONS CONSTRUCTION COMPANY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, JAMES R. VANNOY & SONS 401(K) PROFIT SHARING PLAN, JAMES R. VANNOY & SONS CONSTRUCTION COMPANY, INC.

James R. Vannoy & Sons Construction Company, Inc.EIN 56-0964185Plan #001PY 2025

1608 US HIGHWAY 221 NORTH - JEFFERSON, NC 28640336-846-7191jrvannoy.comLinkedIn201-500 employeesconstruction

Prospect flagsHigh feesCorrective distributions

Top hat statement on fileNQDC

Filed February 7, 2019

Plan administrator

WILMA MIKEAL/JAMES R. VANNOY & SONS CONSTRUCTION COMPANY, INC.

JEFFERSON State: NC Zip Code: 28640

Email Phone

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Plans declared (1)

VANNOY CONSTRUCTION DEFERRED COMPENSATION PLAN29 emp

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Total assets (EOY)

$29.4M

+18.3% from 2024

Total participants

284

-25.7% from 2024

Average account balance

$108,487

+13.9% from 2024

Annual return

15.43%

+4.08 pp from 2024

Benchmarks

See 3,508 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants100-249

Cohort3,508 peers

Snapshot2025

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Analytics

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Service providers

Top 3 by compensation

Provider	Service type	Compensation
RAYMOND JAMES FINANCIAL SERVICES3 years Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 880 CARILLON PKWY · ST PETERSBURG, FL 33716	Advisory (Plan)	$77,984
EMPOWER ADVISORY GROUP, LLC3 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$51,018
JAMES R VANNOY & SONS CONSTRUCTION7 years Service code 99 PO BOX 635 · JEFFERSON, NC 28640	Other Fees	$26,880

Plan features & details

Pension benefit codes2E2F2G2J2K2T3B3D3H

Plan features

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.
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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$156K

$684 / participant

Recordkeeping$51K32.7%
Investment mgmt$78K50.0%
Other trustee fees$27K17.2%

% of EOY assets

0.530%

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: COFFEY, LOVINS & COMPANY , PLLC
Auditor EIN: 561929162
Audit fees: $0
Opinion code: Unqualified

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Provider

Service type

Compensation

RAYMOND JAMES FINANCIAL SERVICES3 years

Filed as: RAYMOND JAMES & ASSOCIATES INC

Service code 27

880 CARILLON PKWY · ST PETERSBURG, FL 33716

Advisory (Plan)

$77,984

EMPOWER ADVISORY GROUP, LLC3 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY O

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$51,018

JAMES R VANNOY & SONS CONSTRUCTION7 years

Service code 99

PO BOX 635 · JEFFERSON, NC 28640

Other Fees

$26,880

James R. Vannoy & Sons 401(k) Profit Sharing Plan

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

James R. Vannoy & Sons 401(k) Profit Sharing Plan

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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