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Original filing (PDF)20251015105223NAL0005848640001
BACARDI U.S.A., INC.
Form 5500
FILING_RECEIVED
BACARDI U.S.A., INC. & AFFILIATES 401(K) SAVINGS AND DC RETIREMENT PLAN
401(k) retirement plan
Signals · 1
28% in single holding
Active participants
1,088
Accounts w/ balance
1,541
Plan assets (EOY)
$290.0M
Net assets (EOY)
$290.0M
How this plan invests
This plan
21 pooled trusts
Schedule D
23 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
100
Concentration risk
86
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "State Street S&P 500 Index Non-Lending" is 28% of plan.
- 18 bps in Schedule C fees — 79% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BACARDI U.S.A., INC..
Plan sponsor
Name
BACARDI U.S.A., INC.
EIN
13-1507147
Address
3011 PONCE DE LEON · SUITE 900 · CORAL GABLES, FL · 33134
Phone
(786) 264-8113
Industry
Manufacturingsee 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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
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
CROWE, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA INSTITUTIONAL PLAN SERVICES | 04-3516284 | — | RECORD KEEPING | $63K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT ADVISORS, LLC | 22-1862786 | — | INVESTMENT ADVISOR | $129K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER INVESTMENTS | 13-2834414 | — | NONE | $328K | — |
Investments
2 direct securities · 21 pooled funds· $289.5M(100% 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.
Common Collective Trust
$286.6M
21 holdings
Uncategorized
$2.4M
1 holding
Mutual Funds
$454K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| STATE STREET S&P 500 INDEX NL SERIE STATE STREET · EIN 90-0337987 / PN 288 | Common Collective Trust | — | — | $79.9M | 27.6% | |
| MERCERWISE 2040 TARGET DATE - CLASS MERCER · EIN 81-3355483 / PN 021 | Common Collective Trust | — | — | $36.5M | 12.6% | |
| MERCERWISE 2045 TARGET DATE - CLASS MERCER · EIN 81-3367468 / PN 022 | Common Collective Trust | — | — | $25.1M | 8.7% | |
| MERCERWISE 2050 TARGET DATE - CLASS MERCER · EIN 81-3408562 / PN 024 | Common Collective Trust | — | — | $19.3M | 6.6% | |
| STATE STREET GLOBAL ALL CAP EQUITY STATE STREET · EIN 90-0337987 / PN 456 | Common Collective Trust | — | — | $17.9M | 6.2% | |
| MERCERWISE 2035 TARGET DATE - CLASS MERCER · EIN 81-3334212 / PN 020 | Common Collective Trust | — | — | $13.4M | 4.6% | |
| STATE STREET RUSSELL SMALL/MID CAP STATE STREET · EIN 90-0337987 / PN 461 | Common Collective Trust | — | — | $13.1M | 4.5% | |
| MERCERWISE 2030 TARGET DATE - CLASS MERCER · EIN 81-3324865 / PN 019 | Common Collective Trust | — | — | $12.7M | 4.4% | |
| MERCERWISE 2055 TARGET DATE - CLASS MERCER · EIN 81-3428516 / PN 025 | Common Collective Trust | — | — | $11.8M | 4.1% | |
| STATE STREET U.S. BOND INDEX NL SER MERCER · EIN 90-0337987 / PN 462 | Common Collective Trust | — | — | $11.0M | 3.8% | |
| MERCER SMALL/MID CAP STOCK FUND MERCER · EIN 81-3183567 / PN 011 | Common Collective Trust | — | — | $10.9M | 3.8% | |
| INVESCO STABLE VALUE TRUST - CLASS INVESCO · EIN 71-0294708 / PN 067 | Common Collective Trust | — | — | $10.7M | 3.7% | |
| MERCER DIVERSIFIED BOND FUND MERCER · EIN 81-3188218 / PN 009 | Common Collective Trust | — | — | $8.7M | 3.0% | |
| MERCERWISE 2060 TARGET DATE - CLASS MERCER · EIN 81-3546834 / PN 026 | Common Collective Trust | — | — | $5.3M | 1.8% | |
| MERCER INTERNATIONAL STOCK FUND MERCER · EIN 81-3158100 / PN 010 | Common Collective Trust | — | — | $4.5M | 1.5% | |
| MERCERWISE 2025 TARGET DATE - CLASS MERCER · EIN 81-3306633 / PN 018 | Common Collective Trust | — | — | $3.2M | 1.1% | |
| participants November 2036 | — | — | — | $2.4M | 0.8% | |
| MERCERWISE 2020 TARGET DATE - CLASS MERCER · EIN 81-3292317 / PN 017 | Common Collective Trust | — | — | $1.2M | 0.4% | |
| STATE STREET REAL ASSET NON-LENDING STATE STREET · EIN 90-0337987 / PN 280 | Common Collective Trust | — | — | $1.1M | 0.4% | |
| Vanguard Federal Money Market Fund | Mutual Funds | — | — | $454K | 0.2% | |
| MERCERWISE 2015 TARGET DATE - CLASS MERCER · EIN 81-3277570 / PN 016 | Common Collective Trust | — | — | $213K | <0.1% | |
| MERCERWISE 2010 TARGET DATE - CLASS MERCER · EIN 81-3269915 / PN 015 | Common Collective Trust | — | — | $66K | <0.1% | |
| MERCERWISE TARGET DATE INCOME FUND MERCER · EIN 81-3224417 / PN 013 | Common Collective Trust | — | — | $16K | <0.1% |