401(k) · DOL Form 5500 · 2024

Gray Construction, Inc 401(k) Plan

Data updated 2026-08-25

$209M
Total assets Near avg plan size
2,205
Participants Above avg headcount
94th
Percentile by assets National rank
$94,596
Avg per participant Below avg balance/head
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Official DOL plan name: Gray Retirement Savings Plan · Sponsored by Gray Construction, Inc · Kentucky · Construction

$209M in assets, 2,205 participants

Gray Construction, Inc's Gray Retirement Savings Plan reported $209M in total assets and 2,205 participants in its 2024 DOL Form 5500 filing, ranking in the 94th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #8,446 in Construction (9,039 peers)

Coverage in Kentucky

Gray Retirement Savings Plan covers 2,205 participants in Kentucky, 3.4x the typical Kentucky plan (state average ~647 per filing). Assets: $209M.

#8,446
in Construction (9,039 peers)
+12.1%
assets growth YoY
2.1×
vs typical plan assets (national mean)

Gray Retirement Savings Plan's outsized position by total assets

Gray Retirement Savings Plan vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$208,583,399 Top 6% higher than 94% of 123,620 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024

Gray Retirement Savings Plan's large-plan peer group by participant headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Gray Retirement Savings Plan lands in the large band (2,205 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Gray Retirement Savings Plan reported net income fell from $29M in the plan year 2023 filing to $23M in the plan year 2024 filing.
  • Gray Retirement Savings Plan end-of-year assets rose from $186M in the plan year 2023 filing to $209M in the plan year 2024 filing.
  • Gray Retirement Savings Plan reported participants rose from 2,003 in the plan year 2023 filing to 2,205 in the plan year 2024 filing.

See the national 2023→2024 release diff →

DOL schedule card

Filing strip 610990546 · Gray Construction, Inc PY 2024 · 401(k)

Gray Retirement Savings Plan · $209M · 2,205 · 94th

  • BOY $209M
  • BOY 2,205
  • BOY 94th
  • BOY 401(k)
  • BOY near Rehab Employee Services 401(k) Plan
  • BOY ind #8446

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Construction retirement plans → · Plans in Kentucky →

Gray Retirement Savings Plan in the asset neighbourhood

Bay Medical Management, LLC 401(k) Profit Sharing PlanBay Medical Management, LLC …$209MGray Retirement Savings Plan$209MRehab Employee Services 401(k) PlanRehab Employee Services 401(…$209MCox Media Group 401(k) Plan$209MCroda Inc. Retirement Savings PlanCroda Inc. Retirement Saving…$208M
End-of-year total assets ($M) among Gray Retirement Savings Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

Kentucky filing particulars

Total Assets (Beginning of Year)$186M
Net Assets (End of Year)$209M
Net Income$23M
Employer EIN610990546
Plan Effective Date1980-10-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Gray Construction, Inc)

Sponsor-wide plan assets over time

All Gray Construction, Inc plans reported in each filing year

Latest sponsor-wide plan assets
$209M 24.023293975398204% vs 2022
2024 filing year
$160M$180M$200M$220M 202220232024 $168M $209M ▲ +24.0%
Year Plans Participants Total Assets
2022 1 1,389 $168M
2023 1 2,003 $186M
2024 1 2,205 $209M

Nearby 401(k) Plans in Kentucky

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Gray Retirement Savings Plan vs. nearby 401(k) plans in Kentucky, assets vs. participants Scatter plot of 6 data points. -20000020000400006000080000100000 -20246810 Total assets ($B) Participants Gray Retirement Savings Plan, Total assets ($B): 0.208583399 · Participants: 2205Gray Retirement Savings PlanCommonspirit Health 401(k) Retirement Savings Plan, Total assets ($B): 8.826314209 · Participants: 90345Commonspirit Health 401(k) Retirement Savings PlanHumana Retirement Savings Plan, Total assets ($B): 7.706147015 · Participants: 45706Humana Retirement Savings PlanUPS/Ipa 401(k) Savings Plan, Total assets ($B): 1.501700415 · Participants: 3064UPS/Ipa 401(k) Savings PlanScionhealth 401(k) Plan, Total assets ($B): 1.316012841 · Participants: 23753Scionhealth 401(k) PlanLexmark Savings Plan, Total assets ($B): 1.211057397 · Participants: 1919Lexmark Savings Plan
Gray Retirement Savings Plan vs. nearby 401(k) plans in Kentucky, assets vs. participants
Compare Gray Retirement Savings Plan side-by-side with 3 peers →

Gray Retirement Savings Plan's out-of-state 401(k) peers by assets and headcount

Outside Kentucky, the nearest 401(k) by assets is Rehab Employee Services 401(k) Plan in AL ($209M); by covered participants it is Medcor, Inc. Profit Sharing Thrift & Investment Plan in IL (2,205 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($209M here).

Similar participant headcount

Nearest other-state filings by covered participants (2,205 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Gray Retirement Savings Plan assets move in 2024? ▼
Gray Retirement Savings Plan grew at a solid clip - up 12.1% during 2024, from $186M to $209M. Reported net income was $23M.
How have Gray Construction, Inc plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Gray Construction, Inc's sponsor-wide assets grew 24.0%, from $168M to $209M.
Where does Gray Retirement Savings Plan rank by assets among Form 5500 filers? ▼
Gray Retirement Savings Plan ranks in the 94th percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (in the top 10% of all filed plans by assets).
Which 401(k) plans are similar in size to Gray Retirement Savings Plan? ▼
Among 401(k) plans in other states, the closest by assets is Rehab Employee Services 401(k) Plan in AL ($209M, 7,642 participants).
Which 401(k) plans cover a similar participant headcount to Gray Retirement Savings Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Medcor, Inc. Profit Sharing Thrift & Investment Plan in IL (2,205 participants, $47M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 610990546.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.