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Original filing (PDF)20251001141125NAL0013341169001
ACLD, INC.
Form 5500
FILING_RECEIVED
ACLD, INC. 401(K) RETIREMENT PLAN
Defined-contribution retirement plan
Active participants
1,416
Accounts w/ balance
2,334
Plan assets (EOY)
$59.9M
Net assets (EOY)
$59.9M
How this plan invests
This plan
1 pooled trust
Schedule D
45 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 44 bps in Schedule C fees — 177% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ACLD, INC..
Plan sponsor
Name
ACLD, INC.
EIN
11-6042250
Address
807 SOUTH OYSTER BAY ROAD · BETHPAGE, NY · 11714
Phone
(516) 822-0028
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-01
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2I · Stock bonus
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CERINI & ASSOCIATES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $80K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES INC | — | NEW YORK, NY | CONTRACT ADMIN | $118K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $68K | — |
| EMPOWER LIFE & ANNUITY INSURANCE | — | GREENWOOD VILLAGE, CO | OTHER | — | — |
Investments
41 direct securities · 1 pooled fund· $59.5M(99% 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
$54.0M
36 holdings
Mutual Funds
$5.6M
5 holdings
Pooled Separate Account
$5K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Empower Trust Company, LLC Fidelity US Bond Index {+} | — | — | — | $7.8M | 13.0% | |
| Empower Trust Company, LLC Fidelity 500 Index {+} | — | — | — | $7.2M | 12.1% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2045 Instl Prem {+} | — | — | — | $5.6M | 9.3% | |
| FIDELITY INTERNATIONAL IDX | Mutual Funds | — | — | $3.7M | 6.2% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2040 Instl Prem {+} | — | — | — | $3.6M | 6.0% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2050 Instl Prem {+} | — | — | — | $2.7M | 4.5% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2055 Instl Prem {+} | — | — | — | $2.5M | 4.1% | |
| Empower Trust Company, LLC Vanguard Small Cap Index Adm {+} | — | — | — | $2.4M | 4.1% | |
| Empower Trust Company, LLC Vanguard Inflation-Protected Secs Adm {+} | — | — | — | $2.3M | 3.8% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2060 Instl Prem {+} | — | — | — | $2.1M | 3.6% | |
| Participants Notes receivable from participants (Interest at 4.16% to 9.50% per annum) N/A | — | — | — | $2.0M | 3.3% | |
| Empower Trust Company, LLC Vanguard High Dividend Yield Index Adm {+} | — | — | — | $1.7M | 2.8% | |
| Empower Trust Company, LLC American Funds New Perspective R6 {+} | — | — | — | $1.6M | 2.6% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2065 Instl Prem {+} | — | — | — | $1.5M | 2.5% | |
| Empower Trust Company, LLC Vanguard Growth Index Adm {+} | — | — | — | $1.3M | 2.2% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2035 Instl Prem {+} | — | — | — | $1.1M | 1.9% | |
| Empower Trust Company, LLC GWI Fixed Account - Series Class IV {+} | — | — | — | $1.1M | 1.8% | |
| EI FIXED ACCOUNT - SERIES CLAS | Mutual Funds | — | — | $976K | 1.6% | |
| Empower Trust Company, LLC Voya Intermediate Bond R6 {+} | — | — | — | $914K | 1.5% | |
| Empower Trust Company, LLC Vanguard FTSE Social Index Admiral {+} | — | — | — | $859K | 1.4% | |
| Empower Trust Company, LLC Vanguard Mid Cap Value Index Admiral {+} | — | — | — | $831K | 1.4% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2030 Instl Prem {+} | — | — | — | $715K | 1.2% | |
| Empower Trust Company, LLC Carillon Eagle Mid Cap Growth R6 {+} | — | — | — | $697K | 1.2% | |
| Empower Trust Company, LLC American Funds Europacific GR R6 {+} | — | — | — | $657K | 1.1% | |
| Empower Trust Company, LLC Vanguard Small Cap Value Index Admiral {+} | — | — | — | $578K | 1.0% | |
| Empower Trust Company, LLC Vanguard Mid Cap Index Fund - Admiral {+} | — | — | — | $542K | 0.9% | |
| IMPAX INTRNTNL SUSTAINABLE ECO | Mutual Funds | — | — | $459K | 0.8% | |
| Empower Trust Company, LLC Pax International Sustainable Ecnmy Instpxnix {+} | — | — | — | $459K | 0.8% | |
| Empower Trust Company, LLC Vanguard Mid Cap Growth Index Admiral {+} | — | — | — | $276K | 0.5% | |
| Empower Trust Company, LLC Vanguard Small Cap Growth Index Admiral {+} | Mutual Funds | — | — | $222K | 0.4% | |
| TIAA-CREF TIAA Traditional Non Benefit Responsive Account {+} | — | — | — | $201K | 0.3% | |
| TIAA-CREF CREF Stock Account {+} | — | — | — | $198K | 0.3% | |
| Empower Trust Company, LLC TIAA-CREF Core Impact Bond Instl {+} | Mutual Funds | — | — | $194K | 0.3% | |
| TIAA-CREF CREF Growth Account {+} | — | — | — | $112K | 0.2% | |
| TIAA-CREF CREF Global Equities Account {+} | — | — | — | $81K | 0.1% | |
| TIAA-CREF CREF Money Market Account {+} | — | — | — | $69K | 0.1% | |
| TIAA-CREF CREF Bond Market Account {+} | — | — | — | $49K | <0.1% | |
| TIAA-CREF CREF Equity Index Account {+} | — | — | — | $44K | <0.1% | |
| Empower Trust Company, LLC Fidelity Freedom Index 2025 Instl Prem {+} | — | — | — | $30K | <0.1% | |
| TIAA-CREF CREF Social Choice Account {+} | — | — | — | $24K | <0.1% | |
| TIAA-CREF CREF Inflation Linked Bond Account {+} | — | — | — | $13K | <0.1% | |
| TIAA REAL ESTATE TIAA-CREF · EIN 13-1624203 / PN 004 | Pooled Separate Account | — | — | $5K | <0.1% |
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