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Original filing (PDF)20251014173949NAL0004649808001
AML RIGHTSOURCE, LLC
Form 5500
FILING_RECEIVED
AML RIGHTSOURCE, LLC 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
41% in single holding~92 bps in Sched C fees
Active participants
1,778
Accounts w/ balance
1,212
Plan assets (EOY)
$33.1M
Net assets (EOY)
$33.1M
How this plan invests
This plan
19 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)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
80
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- Top holding "Flexpath Modern 2055 R1 Common/Collective Trust" is 41% of plan.
- 92 bps in Schedule C fees — 216% above peer band of 29 bps.
- 68% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AML RIGHTSOURCE, LLC.
Plan sponsor
Name
AML RIGHTSOURCE, LLC
EIN
20-1996855
Address
1300 E 9TH STREET, SUITE 200 · CLEVELAND, OH · 44114
Phone
(216) 771-1250
Industry
All Other Professional Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
2A · Age/service weighted or new comparability
3B · Covers self-employed individuals
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BSB PARTNERS CPAS & BUSINESS ADVISO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $202K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ANCORA RETIREMENT PLAN ADVISORS | 23-2697799 | — | ADVISOR | $82K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $20K | — |
Investments
12 direct securities · 19 pooled funds· $36.4M(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
$29.7M
19 holdings
Uncategorized
$6.7M
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FLEXPATH MOD 2055 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2563528 / PN 223 | Common Collective Trust | — | — | $13.5M | 40.9% | |
| FLEXPATH MOD 2045 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2516187 / PN 220 | Common Collective Trust | — | — | $3.9M | 11.8% | |
| BLKRK EQUITY INDEX GREAT GRAY TRUST COMPANY, LLC · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $2.7M | 8.1% | |
| FLEXPATH MOD 2035 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2478524 / PN 217 | Common Collective Trust | — | — | $2.4M | 7.3% | |
| FLEXPATH AGR 2055 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2554270 / PN 222 | Common Collective Trust | — | — | $1.4M | 4.2% | |
| JPMorgan Large Cap Growth R6 Mutual Fund | — | — | — | $1.3M | 4.0% | |
| Templeton International Stock Fund Common/Collective Trust | — | — | — | $1.1M | 3.3% | |
| TEMPLETON INTL STK GREAT GRAY TRUST COMPANY, LLC · EIN 82-2436292 / PN 342 | Common Collective Trust | — | — | $1.1M | 3.3% | |
| Putnam Large Cap Value R1 Common/Collective Trust | — | — | — | $1.1M | 3.2% | |
| PUTN LARGE CP VAL R1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $1.1M | 3.2% | |
| Flexpath Moderate Return R1 Common/Collective Trust | — | — | — | $1.1M | 3.2% | |
| FLEXPATH MOD RET R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2248665 / PN 211 | Common Collective Trust | — | — | $1.1M | 3.2% | |
| FLEXPATH AGR 2045 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2503540 / PN 219 | Common Collective Trust | — | — | $784K | 2.4% | |
| LD ABBETT CORE BOND GREAT GRAY TRUST COMPANY, LLC · EIN 82-1986152 / PN 325 | Common Collective Trust | — | — | $667K | 2.0% | |
| FLEXPATH AGR 2035 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2468898 / PN 216 | Common Collective Trust | — | — | $625K | 1.9% | |
| Fidelity Mid Cap Index Mutual Fund | — | — | — | $607K | 1.8% | |
| Fidelity Small Cap Index Mutual Fund | — | — | — | $403K | 1.2% | |
| Participant directed investments * Fidelity Government Money Market Money Market | — | — | — | $389K | 1.2% | |
| FLEXPATH CON 2055 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2575758 / PN 224 | Common Collective Trust | — | — | $356K | 1.1% | |
| with various maturities through January 2035 | — | — | — | $345K | 1.0% | |
| DFA US Target Value 1 Mutual Fund | — | — | — | $196K | 0.6% | |
| Federated MDT Small Cap Growth I Mutual Fund | — | — | — | $159K | 0.5% | |
| Flexpath Aggressive Return R1 Common/Collective Trust | — | — | — | $50K | 0.2% | |
| FLEXPATH AGR RET R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2238264 / PN 210 | Common Collective Trust | — | — | $50K | 0.2% | |
| FLEXPATH CON 2045 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2529162 / PN 221 | Common Collective Trust | — | — | $48K | 0.1% | |
| FLEXPATH CON 2035 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2491300 / PN 218 | Common Collective Trust | — | — | $32K | <0.1% | |
| Flexpath Conservative Return R1 Common/Collective Trust | — | — | — | $11K | <0.1% | |
| FLEXPATH CON RET R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2264760 / PN 212 | Common Collective Trust | — | — | $11K | <0.1% | |
| FLEXPATH CON 2025 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2458234 / PN 215 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH AGR 2025 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2275031 / PN 213 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH MOD 2025 R1 GREAT GRAY TRUST COMPANY, LLC · EIN 47-2285799 / PN 214 | Common Collective Trust | — | — | $0 | <0.1% |
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