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Original filing (PDF)20260216083919NAL0004923809001
FRESH DIRECT HOLDINGS, INC.
Form 5500
FILING_RECEIVED
FRESH DIRECT BARGAINING UNIT 401K PLAN
401(k) retirement plan
Signals · 2
Late filing · 3.0 mo~112 bps in Sched C fees
Active participants
1,200
Accounts w/ balance
2,101
Plan assets (EOY)
$12.4M
Net assets (EOY)
$12.4M
How this plan invests
This plan
1 pooled trust
Schedule D
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
88
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Filed 3.0 months past the 10.5-month grace window.
- 112 bps in Schedule C fees — 285% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FRESH DIRECT HOLDINGS, INC..
Plan sponsor
Name
FRESH DIRECT HOLDINGS, INC.
EIN
11-3576952
Address
2 ST. ANN'S AVE. · BRONX, NY · 10454
Phone
(718) 928-1000
Industry
Management of Companies / Holdingssee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2026-02-16
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $120K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | 26-4310632 | — | INVESTMENT ADVISORY | $18K | — |
Investments
31 direct securities · 1 pooled fund· $11.9M(96% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$11.8M
30 holdings
Mutual Funds
$96K
1 holding
Common Collective Trust
$5K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2030 Target Date Retirement | — | — | — | $1.9M | 15.0% | |
| American Funds American Funds 2035 Target Date Retirement | — | — | — | $1.7M | 14.1% | |
| American Funds American Funds 2045 Target Date Retirement | — | — | — | $1.1M | 8.8% | |
| American Funds American Funds 2040 Target Date Retirement | — | — | — | $1.1M | 8.5% | |
| American Funds American Funds 2050 Target Date Retirement | — | — | — | $972K | 7.8% | |
| American Funds American Funds 2025 Target Date Retirement | — | — | — | $938K | 7.6% | |
| American Funds American Funds 2065 Target Date Retirement | — | — | — | $756K | 6.1% | |
| American Funds American Funds 2055 Target Date Retirement | — | — | — | $745K | 6.0% | |
| Participant Loans Interest rates ranging from 4.25% to 9.50% - | — | — | — | $716K | 5.8% | |
| Participants Notes Receivable with interest rates of 4.25% to 9.50% | — | — | — | $713K | 5.8% | |
| American Funds American Funds 2060 Target Date Retirement | — | — | — | $687K | 5.5% | |
| American Funds American Funds 2020 Target Date Retirement | — | — | — | $343K | 2.8% | |
| Metropolitan West Metropolitan West Total Return Bond | Mutual Funds | — | — | $96K | 0.8% | |
| American Funds American Funds 2010 Target Date Retirement | — | — | — | $90K | 0.7% | |
| American Funds American Funds 2015 Target Date Retirement | — | — | — | $40K | 0.3% | |
| DFA US Large Cap Value | — | — | — | $15K | 0.1% | |
| Lord Abbett Lord Abbett Short Duration Income | — | — | — | $13K | 0.1% | |
| American Funds American Funds AMCAP | — | — | — | $12K | <0.1% | |
| Fidelity 500 Index | — | — | — | $10K | <0.1% | |
| Transamerica Large Core ESG Fund | — | — | — | $6K | <0.1% | |
| Interest-Bearing Cash * Transamerica Interest rates - Variable | — | — | $5K | $5K | <0.1% | |
| RELIANCEMETLIFE STABLE 25053 CL 0 METLIFE · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $5K | <0.1% | |
| PGIM High Yield | — | — | — | $2K | <0.1% | |
| DFA Real Estate Securities 757 Vanguard Selected Value | — | — | — | $2K | <0.1% | |
| American Funds American Funds New Perspective | — | — | — | $2K | <0.1% | |
| Fidelity International Index | — | — | — | $2K | <0.1% | |
| Invesco Oppenheimer Invesco Oppenheimer International Growth | — | — | — | $2K | <0.1% | |
| Fidelity Mid-Cap Stock | — | — | — | $1K | <0.1% | |
| DFA US Targeted Value | — | — | — | $1K | <0.1% | |
| PIMCO StocksPLUS Small Fund | — | — | — | $1K | <0.1% | |
| American Funds American Funds New World | — | — | — | $1K | <0.1% | |
| Vanguard Strategic Equity | — | — | — | $1K | <0.1% |
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