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Original filing (PDF)20250730125927NAL0002376819001
PLANET DEPOS, LLC
Form 5500
FILING_RECEIVED
PLANET DEPOS 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
339
Accounts w/ balance
232
Plan assets (EOY)
$13.8M
Net assets (EOY)
$13.8M
How this plan invests
This plan
36 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
85
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
80
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 41 bps in Schedule C fees — modestly 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 PLANET DEPOS, LLC.
Plan sponsor
Name
PLANET DEPOS, LLC
EIN
26-3280557
Address
451 HUNGERFORD DR · SUITE 400 · ROCKVILLE, MD · 20850
Phone
(888) 433-3767
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
2025-07-30
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)
3B · Covers self-employed individuals
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
REHMANN ROBSON, LLC
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 | $22K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | 47-1411118 | — | ADVISOR | $29K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $5K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
36 direct securities· $13.8M(100% of reported assets)
Uncategorized
$10.8M
35 holdings
Mutual Funds
$3.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| s * Fidelity 500 Index | Mutual Funds | — | — | $3.0M | 21.3% | |
| American Funds American Funds Target Date 2045 R6 | — | — | — | $1.1M | 8.1% | |
| American Funds American Funds Target Date 2050 R6 | — | — | — | $1.1M | 7.6% | |
| JP Morgan JP Morgan Large Cap Growth R6 | — | — | — | $926K | 6.7% | |
| American Funds American Funds Target Date 2060 R6 | — | — | — | $781K | 5.6% | |
| American Funds American Funds Target Date 2055 R6 | — | — | — | $777K | 5.6% | |
| Fidelity International Index | — | — | — | $717K | 5.2% | |
| Columbia Contrarian Core I2 | — | — | — | $678K | 4.9% | |
| Fidelity US Bond Index | — | — | — | $527K | 3.8% | |
| American Funds American Funds Target Date 2035 R6 | — | — | — | $474K | 3.4% | |
| Fidelity Large Cap Value Index | — | — | — | $469K | 3.4% | |
| Black Rock Black Rock Technology Opportunities Class K | — | — | — | $447K | 3.2% | |
| American Funds American Funds Target Date 2030 R6 | — | — | — | $379K | 2.7% | |
| American Funds American Funds Target Date 2040 R6 | — | — | — | $262K | 1.9% | |
| Voya Interim Bond I | — | — | — | $243K | 1.8% | |
| Notes receivable from participants Interest rates ranging from 3.25% to 9.50% | — | — | — | $194K | 1.4% | |
| Matthews Asia Innovators Fund | — | — | — | $176K | 1.3% | |
| Fidelity Mid Cap Index | — | — | — | $162K | 1.2% | |
| Fully benefit-responsive investment contract with Standard Insurance Company Standard Stable Asset 2, 3.09% interest as of December 31, 2024 | — | — | — | $161K | 1.2% | |
| Allspring Special Mid Cap Value R6 | — | — | — | $150K | 1.1% | |
| JP Morgan JP Morgan Mid Cap Growth R6 | — | — | — | $149K | 1.1% | |
| Fidelity Self Brokerage | — | — | — | $139K | 1.0% | |
| American Funds American Funds Target Date 2065 R6 | — | — | — | $124K | 0.9% | |
| PGIM High Yield Fund Z | — | — | — | $122K | 0.9% | |
| MFS New Discovery Value R6 | — | — | — | $107K | 0.8% | |
| Black Rock Black Rock Emerging Markets Fund, Inc. K Shares | — | — | — | $90K | 0.7% | |
| American Funds American Funds Target Date 2025 R6 | — | — | — | $79K | 0.6% | |
| American Funds American Funds Target Date 2010 R6 | — | — | — | $69K | 0.5% | |
| American Funds American Funds Target Date 2020 R6 | — | — | — | $69K | 0.5% | |
| Fidelity Small Cap Index | — | — | — | $60K | 0.4% | |
| Allspring SMID Cap Growth Fund - Cl R6 | — | — | — | $56K | 0.4% | |
| Black Rock Black Rock Energy Opportunities I | — | — | — | $33K | 0.2% | |
| American Funds American Funds Target Date 2015 R6 | — | — | — | $20K | 0.1% | |
| Fidelity Real Estate Index | — | — | — | $14K | 0.1% | |
| PGIM J Natural Resources R6 | — | — | — | $3K | <0.1% | |
| American Funds American Funds Balanced R6 | — | — | — | $1K | <0.1% |
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