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Original filing (PDF)20251008144059NAL0006011537001
ZOTEC PARTNERS, LLC
Form 5500
FILING_RECEIVED
ZOTEC PARTNERS, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
1,005
Accounts w/ balance
1,147
Plan assets (EOY)
$103.6M
Net assets (EOY)
$103.6M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
85
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 20 bps in Schedule C fees — 102% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ZOTEC PARTNERS, LLC.
Plan sponsor
Name
ZOTEC PARTNERS, LLC
EIN
20-8762217
Address
11460 NORTH MERIDIAN STREET · CARMEL, IN · 46032
Phone
(317) 805-4116
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
2025-10-08
Pension benefit codes
2E · Profit-sharing
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)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
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 |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $86K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY LLC | 20-8764829 | — | INVESTMENT ADVISOR | $104K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CROWE LLP | 35-0921680 | — | ACCOUNTANT/AUDITOR | $19K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
33 direct securities· $103.6M(100% of reported assets)
Uncategorized
$96.0M
31 holdings
Mutual Funds
$7.6M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund # | — | — | — | $15.8M | 15.3% | |
| American Funds American Funds 2040 Target Date Fund # | — | — | — | $11.2M | 10.8% | |
| JPMorgan Large Cap Growth # | — | — | — | $10.3M | 10.0% | |
| s (Continued) American Funds American Funds 2030 Target Date Fund # | Mutual Funds | — | — | $7.2M | 7.0% | |
| American Funds American Funds 2050 Target Date Fund # | — | — | — | $6.2M | 6.0% | |
| American Funds American Funds 2045 Target Date Fund # | — | — | — | $5.9M | 5.7% | |
| American Funds American Funds 2035 Target Date Fund # | — | — | — | $5.5M | 5.3% | |
| American Funds American Funds Washington Mutual Investors Fund # | — | — | — | $4.4M | 4.2% | |
| American Funds American Funds New Perspective Fund # | — | — | — | $3.8M | 3.6% | |
| American Funds American Funds 2025 Target Date Fund # | — | — | — | $3.6M | 3.4% | |
| Investment Contract-Stable Value Account * Lincoln National Life Insurance Company Stable Value Account # | — | — | — | $3.3M | 3.2% | |
| PIMCO Income Fund A # | — | — | — | $3.0M | 2.9% | |
| American Funds American Funds 2055 Target Date Fund # | — | — | — | $3.0M | 2.9% | |
| Goldman Sachs Small Cap Core # | — | — | — | $2.5M | 2.4% | |
| Janus Henderson Overseas Fund N # | — | — | — | $2.3M | 2.2% | |
| Artisan Mid Cap Inst # | — | — | — | $2.2M | 2.1% | |
| American Funds American Funds 2020 Target Date Fund # | — | — | — | $2.1M | 2.1% | |
| JPMorgan US Equity Fund # | — | — | — | $1.8M | 1.7% | |
| Allspring Special Mid Cap Value # | — | — | — | $1.6M | 1.5% | |
| American Funds American Funds 2060 Target Date Fund # | — | — | — | $1.5M | 1.5% | |
| Participant Loans * Notes receivable Varying maturity dates; interest rates from participants of 4.25% to 8.50% | — | — | — | $1.3M | 1.3% | |
| American Funds American Funds Bond Fund of America # | — | — | — | $1.2M | 1.2% | |
| American Funds American Funds Capital Income Builder Fund # | — | — | — | $1.2M | 1.2% | |
| JPMorgan Government Bond Fund # | — | — | — | $687K | 0.7% | |
| Fidelity International Index # | — | — | — | $417K | 0.4% | |
| Blackrock Health Sciences Ops Inv Fund # | Mutual Funds | — | — | $408K | 0.4% | |
| Fidelity Mid Cap Index # | — | — | — | $397K | 0.4% | |
| Fidelity Small Cap Index # | — | — | — | $289K | 0.3% | |
| American Funds American Funds 2065 Target Date Fund # | — | — | — | $270K | 0.3% | |
| Fidelity Selective Technology # | — | — | — | $146K | 0.1% | |
| American Funds American Funds 2010 Target Date Fund # | — | — | — | $93K | <0.1% | |
| American Funds American Funds 2015 Target Date Fund # | — | — | — | $41K | <0.1% | |
| Fidelity Government Market Fund # 72 * Fidelity Selective Energy # | — | — | — | $27K | <0.1% |
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