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Original filing (PDF)20251013150028NAL0003279314001
IKEYLESS, LLC
Form 5500
FILING_RECEIVED
IKEYLESS, LLC 401(K) P/S PLAN
401(k) retirement plan
Signals · 1
~97 bps in Sched C fees
Active participants
456
Accounts w/ balance
260
Plan assets (EOY)
$13.6M
Net assets (EOY)
$13.6M
How this plan invests
This plan
9 pooled trusts
Schedule D
24 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
100
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- 97 bps in Schedule C fees — 236% above peer band of 29 bps.
- 57% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for IKEYLESS, LLC.
Plan sponsor
Name
IKEYLESS, LLC
EIN
20-8804815
Address
12101 SYCAMORE STATION PLACE · LOUISVILLE, KY · 40299
Phone
(502) 381-0124
Industry
Retail Tradesee 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
2025-10-13
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
DEMING, MALONE, LIVESAY & OSTROFF
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AM | 84-0467907 | GREENWOOD VILLAGE, CO | RECORDKEEPER | $109K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LEAFHOUSE FINANCIAL ADVISORS, LLC | — | AUSTIN, TX | INVESTMENT ADVISOR | $2K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ROBERT W BAIRD & CO, INC. | — | MILWAUKEE, WI | BROKER/ADVISER | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RETIREMENT MANAGEMENT SERVICES, LLC | 31-1560462 | — | THIRD PARTY ADMIN | $5K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $17K | — |
Investments
15 direct securities · 9 pooled funds· $13.6M(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
$8.0M
9 holdings
Uncategorized
$5.6M
15 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PUTNAM RETIREMENT ADVANTAGE 2045 PUTNAM INVESTMENTS · EIN 26-1208510 / PN 259 | Common Collective Trust | — | — | $2.3M | 17.1% | |
| PUTNAM RETIREMENT ADVANTAGE 2040 PUTNAM INVESTMENTS · EIN 26-1384398 / PN 260 | Common Collective Trust | — | — | $1.9M | 13.6% | |
| PUTNAM RETIREMENT ADVANTAGE 2050 PUTNAM INVESTMENTS · EIN 26-0787670 / PN 258 | Common Collective Trust | — | — | $1.4M | 10.1% | |
| Vanguard Mutual Fund - Vanguard 500 Index Admiral | — | — | — | $1.2M | 8.9% | |
| PUTNAM RETIREMENT ADVANTAGE 2035 PUTNAM INVESTMENTS · EIN 26-0787945 / PN 261 | Common Collective Trust | — | — | $1.2M | 8.5% | |
| Vanguard Mutual Fund - Vanguard Developed Markets Index Admiral | — | — | — | $798K | 5.9% | |
| Vanguard Mutual Fund - Vanguard Growth Index Admiral | — | — | — | $737K | 5.4% | |
| PUTNAM RETIREMENT ADVANTAGE 2025 PUTNAM INVESTMENTS · EIN 26-1384344 / PN 263 | Common Collective Trust | — | — | $586K | 4.3% | |
| Vanguard Mutual Fund - Vanguard Small Cap Index Fund | — | — | — | $538K | 3.9% | |
| Vanguard Mutual Fund - Vanguard Emerging Markets Stock Index Admiral | — | — | — | $357K | 2.6% | |
| Notes receivable from participants, interest rates between 4.25% and 9.50% with maturities through June 2038. - | — | — | — | $346K | 2.5% | |
| Vanguard Mutual Fund - Vanguard Value Index Admiral | — | — | — | $324K | 2.4% | |
| Vanguard Mutual Fund - Vanguard Mid Cap Index Fund - Admiral | — | — | — | $315K | 2.3% | |
| PUTNAM RETIREMENT ADVANTAGE 2055 PUTNAM INVESTMENTS · EIN 27-3166920 / PN 275 | Common Collective Trust | — | — | $314K | 2.3% | |
| Empower Annuity Insurance Fully benefit-responsive investment at contract value - Company of America Guaranteed Interest Fund | — | — | — | $286K | 2.1% | |
| Vanguard Mutual Fund - Vanguard Total Bond Market Index Admiral | — | — | — | $215K | 1.6% | |
| Vanguard Mutual Fund - Vanguard Real Estate Index Admiral | — | — | — | $188K | 1.4% | |
| PUTNAM RETIREMENT ADVANTAGE TR 2060 PUTNAM INVESTMENTS · EIN 27-3616920 / PN 273 | Common Collective Trust | — | — | $169K | 1.2% | |
| Vanguard Mutual Fund - Victory Government Securities R6 | — | — | — | $147K | 1.1% | |
| PUTNAM RETIREMENT ADVANTAGE 2030 PUTNAM INVESTMENTS · EIN 26-0788040 / PN 262 | Common Collective Trust | — | — | $123K | 0.9% | |
| PUTNAM RETIREMENT ADVANTAGE TRST MA PUTNAM INVESTMENTS · EIN 26-0788428 / PN 268 | Common Collective Trust | — | — | $113K | 0.8% | |
| Investments - Vanguard Mutual Fund - Parametric Commodity Strategy Fund I | — | — | — | $83K | 0.6% | |
| Vanguard Mutual Fund - Vanguard Inflation-Protected Secs Admiral | — | — | — | $39K | 0.3% | |
| Vanguard Mutual Fund - Vanguard Total International Bond Index Admiral | — | — | — | $10K | <0.1% |
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