Gray Construction, Inc 401(k) Plan: Login, Facts & Contact Information

Gray Construction, Inc 401(k) Plan Facts

Plan name
GRAY RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions
Plan sponsor
GRAY CONSTRUCTION, INC
Participants
2,674 (2,255 active employees)
Former employees with a balance
578
Plan assets
$208,583,399 at Dec 31, 2024
Average account balance
$78,121 across 2,670 accounts
Employer contributions
$64,265 in plan year 2024 (0% of all contributions)
Recordkeeper
Transamerica Retirement Solutions
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Oct 1, 1980
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window— Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Aug 6, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $24.0 million went into the plan in contributions, $64,265 of it from the employer (0%).
  • $23.4 million was paid out to participants.
  • Investment and other income added $22.2 million.
  • Administrative expenses were $301,186, about $113 per account.

How the Gray Construction, Inc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20191,078$92.8 million$9,712$2.82 million
20201,150$115.5 million$6,715$5.59 million
20211,291$138.7 million$8,241$7.62 million
20221,701$168.2 million$0$14.2 million
20232,449$186.1 million$16,242$18.9 million
20242,674$208.6 million$64,265$23.4 million

Gray Construction, Inc 401(k) Contact Information

Phone
859-281-9324
Mailing address
10 QUALITY STREET, LEXINGTON KY 40507
Plan sponsor
GRAY CONSTRUCTION, INC
Employer identification number (EIN)
61-0990546
Plan number
001

Questions about the Gray Construction, Inc 401(k)

Does Gray Construction, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $64,265, 0% of all contributions.

Does the Gray Construction, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Gray Construction, Inc 401(k) plan?

2,674 participants at the start of plan year 2024, 2,255 of them active employees, and 578 former employees who still had money in the plan.

What is the average 401(k) balance at Gray Construction, Inc?

About $78,121 per account: $208.6 million in plan assets across 2,670 accounts with a balance at the end of plan year 2024.

Who manages the Gray Construction, Inc 401(k) accounts?

Transamerica (listed on the filing as TRANSAMERICA RETIREMENT SOLUTIONS) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Gray Construction, Inc. How do I access my 401(k)?

Your account stays with Transamerica after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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