Pavement Maintenance Group 401(k) Plan

• Compliance

  Low fidelity bond

  Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

  Schedule H, line 4e
• Opportunity

  Low assets / participant

  Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

  Schedule H, line 1l and line 6g
• Opportunity

  Possible retail share class: $9K

  Mutual funds in a class the filing names that is often retail or revenue sharing. Confirm before you raise it.

  Schedule H, line 4i
• Opportunity

  Few collective trusts

  0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.

  Schedule H, line 4i

Industry

32 - Manufacturing

Plan type

Defined contribution

Participants

100-249

Cohort

1,783 peers

Snapshot

2025

Target-date series: Fidelity Freedom, mutual fund, 73% of fund dollars

Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.

• 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.
• 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)).