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Original filing (PDF)20251016123035NAL0003186883001
PLAN FIDUCIARY SERVICES, INC.
Form 5500
FILING_RECEIVED
THE PLATINUM 401(K) RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
No auditor on file6 service providers
Active participants
10,921
Accounts w/ balance
3,454
Plan assets (EOY)
$89.5M
Net assets (EOY)
$89.5M
How this plan invests
This plan
48 collective trusts
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
Plan health score (directional)
78
/ 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
60
Concentration risk
75
Total plan cost
100
Vendor stack
100
Participation health
65
Knocking points off
- No independent qualified public accountant (IQPA) named.
- Only 32% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
- Below-peer total fees (5 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PLAN FIDUCIARY SERVICES, INC..
Plan sponsor
Name
PLAN FIDUCIARY SERVICES, INC.
EIN
27-3523833
Address
2454 N. MCMULLEN BOOTH ROAD. · CLEARWATER, FL · 33759
Phone
(813) 281-0707
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-16
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
2W · Pooled employer plan (PEP)
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JOHN HANCOCK LIFE INSURANCE COMPANY | 01-0233346 | — | RECORDKEEPING | $43K | — |
Advisor / Consultant
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENTS | 43-1451524 | — | RIA | $0 | — |
| LPL FINANCIAL LLC - RPCP | 04-3046611 | — | RIA | $0 | — |
| RAYMOND JAMES & ASSOCIATES | 59-1237041 | — | RIA | $0 | — |
| SOUDERS FINANCIAL ADVISORS LLC | 82-4516448 | — | RIA | $0 | — |
| HDQ WEALTH, LLC | 84-3440970 | — | RIA | $0 | — |
Investments
48 pooled funds· $88.0M(98% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| AMERICAN FUNDS 2035 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $7.8M | 8.7% |
| AMERICAN FUNDS 2050 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $7.0M | 7.8% |
| AMERICAN FUNDS 2040 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $6.9M | 7.8% |
| AMERICAN FUNDS 2045 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $6.5M | 7.3% |
| AMERICAN FUNDS 2030 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $6.2M | 7.0% |
| 500 INDEX FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $6.2M | 6.9% |
| AMERICAN FUNDS 2055 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $5.5M | 6.2% |
| AMERICAN FUNDS 2060 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $4.3M | 4.8% |
| CAPITAL APPRECIATION FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $4.3M | 4.8% |
| AMERICAN FUNDS 2025 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $3.5M | 3.9% |
| JH MULTIMANAGER GROWTH LS JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $3.2M | 3.6% |
| JOHN HANCOCK STABLE VAL JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $2.8M | 3.1% |
| FUNDAMENTAL LARGE CAP VALUE JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $2.4M | 2.7% |
| AMERICAN FUNDS 2065 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $1.9M | 2.1% |
| AMERICAN FUNDS 2020 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $1.5M | 1.7% |
| JH MULTIMANAGER BALANCED LS JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $1.4M | 1.6% |
| VANGUARD MID-CAP GROWTH ETF JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $1.4M | 1.5% |
| FIDELITY MID CAP INDEX FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $1.2M | 1.3% |
| VANGUARD MID-CAP VALUE ETF JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $1.1M | 1.3% |
| JH MULTIMANAGER AGGRESSIVE LS JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $932K | 1.0% |
| VANGUARD TARGET RET 2025 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $906K | 1.0% |
| ALLSPRING SPECIAL SCAP VALUE JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $898K | 1.0% |
| AMERICAN FUNDS NEW PERSPECTIVE JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $782K | 0.9% |
| VANGUARD TARGET RET 2050 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $762K | 0.9% |
| FEDERATED HIGH YIELD BOND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $681K | 0.8% |
| INVESCO SMALL CAP GROWTH JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $659K | 0.7% |
| VANGUARD TARGET RET 2040 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $627K | 0.7% |
| CORE BOND FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $619K | 0.7% |
| PARNASSUS CORE EQUITY FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $576K | 0.6% |
| VANGUARD TARGET RET 2055 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $571K | 0.6% |
| VANGUARD TARGET RET 2035 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $567K | 0.6% |
| VANGUARD TARGET RET 2030 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $535K | 0.6% |
| TOTAL BOND MARKET FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $511K | 0.6% |
| FIDELITY INTERNATIONAL INDEX JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $507K | 0.6% |
| JH MULTIMANAGER MODERATE LS JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $467K | 0.5% |
| VANGUARD TARGET RET 2045 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $371K | 0.4% |
| JH MULTIMANAGER CONSERV LS JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $308K | 0.3% |
| AMERICAN FUNDS 2010 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $284K | 0.3% |
| VANGUARD TARGET RET 2060 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $272K | 0.3% |
| NUVEEN SMALL-CAP BLEND INDEX JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $270K | 0.3% |
| REAL EST. SECURITIES FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $263K | 0.3% |
| VANGUARD TARGET RET 2065 JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $225K | 0.3% |
| JANUS HENDERSON GBL EQ INCOME JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $123K | 0.1% |
| AMERICAN FUNDS 2015 TD JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $56K | <0.1% |
| MID CAP INDEX FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $49K | <0.1% |
| VANGUARD TARGET RET INCOME JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $16K | <0.1% |
| SMALL CAP VALUE FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $9K | <0.1% |
| INTL EQUITY INDEX FUND JOHN HANCOCK LIFE INSURANCE CO · EIN 01-0233346 / PN 000 | Pooled Separate Account | $5K | <0.1% |