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Original filing (PDF)20251013204434NAL0001848401001
PLAN FIDUCIARY SERVICES, INC.
Form 5500
FILING_RECEIVED
ONEDIGITAL OPEN POOLED EMPLOYER PLAN
401(k) retirement plan
Signals · 3
No auditor on file~97 bps in Sched C fees13 service providers
Active participants
4,946
Accounts w/ balance
3,908
Plan assets (EOY)
$93.6M
Net assets (EOY)
$93.6M
How this plan invests
This plan
28 pooled trusts
Schedule D
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
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
100
Total plan cost
65
Vendor stack
88
Participation health
100
Knocking points off
- No independent qualified public accountant (IQPA) named.
- 97 bps in Schedule C fees — 505% above peer band of 16 bps.
- Highly fragmented vendor stack (13 disclosed providers, 5 categories).
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. MCMULLENT BOOTH ROAD, SUITE · ST 431 · CLEARWATER, FL · 33759
Phone
(813) 774-3366
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
008
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3F · Sponsor used leased employees
2W · Pooled employer plan (PEP)
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
13 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 84-0467907 | — | RECORDKEEPER | $192K | — |
Advisor / Consultant
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SOUDERS FINANCIAL ADVISORS | — | CINCINNATI, OH | INVESTMENT/ADVISOR/OTHER | $76K | — |
| ONEDIGITAL INVESTMENT ADVISORS | — | DALLAS, TX | INVESTMENT ADVISOR | $71K | — |
| CAMBRIDGE INVESTMENT | — | FAIRFIELD, IA | INVESTMENT/ADVISOR/OTHER | $53K | — |
| RESOURCES INVESTMENTS ADVISORS, LLC | — | OVERLAND PARK, KS | INVESTMENT/ADVISOR/OTHER | $53K | — |
| THURSTON SPRINGER ADVISORS LLC | — | NDIANAPOLIS, IN | INVESTMENT ADVISOR | $26K | — |
| FIRST AMERICAN ASSET ADVISORY LLC | — | GARDEN CITY, NY | INVESTMENT ADVISOR | $11K | — |
| SIGMA FINANCIAL CORPORATION | — | ANN ARBOR, MI | BROKER/ADVISOR/OTHER | $0 | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PFS INVESTMENTS INC | — | DULUTH, GA | BROKER/ADVISER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HMM CPAS LLP | — | HAUPPAUGE, NY | AUDITOR | $10K | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN PENSION SERVICES | — | CLEARWATER, FL | CONTRACT/ADMIN | $393K | — |
| COULTER & JUSTUS, PC | — | KNOXVILLE, TN | OTHER | $13K | — |
| CEP CONSULTANTS INC | — | HAUPPAUGE, NY | OTHER | $8K | — |
Investments
9 direct securities · 28 pooled funds· $120.9M(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
$77.6M
28 holdings
Uncategorized
$43.3M
9 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| maturity Cost (a) value * Empower Annuity Insurance Company of America Mutual Funds | — | — | — | $13.0M | 13.9% | |
| Empower Annuity Insurance Company of America Great Gray Trust American Funds 2050 I | — | — | — | $10.4M | 11.1% | |
| Empower Annuity Insurance Company of America AM1 Domestic Equity Class 1 | — | — | — | $9.5M | 10.1% | |
| GREATGRAY TRUST AMERICAN FUNDS 2050 GREAT GRAY · EIN 38-4126266 / PN 570 | Common Collective Trust | — | — | $9.4M | 10.1% | |
| AM1 DOMESTIC EQUITY CLASS 1 ALTA TRUST · EIN 99-0743104 / PN 001 | Common Collective Trust | — | — | $9.3M | 9.9% | |
| GREATGRAY TRUST AMERICAN FUNDS 2055 GREAT GRAY · EIN 38-4126267 / PN 571 | Common Collective Trust | — | — | $8.3M | 8.9% | |
| GREATGRAY TRUST AMERICAN FUNDS 2045 GREAT GRAY · EIN 38-4126265 / PN 569 | Common Collective Trust | — | — | $8.1M | 8.6% | |
| GREATGRAY TRUST AMERICAN FUNDS 2040 GREAT GRAY · EIN 38-4126264 / PN 568 | Common Collective Trust | — | — | $7.0M | 7.5% | |
| AM1 CORE FIXED INCOME CLASS 1 ALTA TRUST · EIN 83-2064950 / PN 001 | Common Collective Trust | — | — | $6.0M | 6.5% | |
| Empower Annuity Insurance Company of America Great Gray Trust American Funds 2035 I | — | — | — | $5.1M | 5.4% | |
| GREATGRAY TRUST AMERICAN FUNDS 2035 GREAT GRAY · EIN 38-4126263 / PN 567 | Common Collective Trust | — | — | $5.1M | 5.4% | |
| GREATGRAY TRUST AMERICAN FUNDS 2060 GREAT GRAY · EIN 38-4126268 / PN 572 | Common Collective Trust | — | — | $4.9M | 5.2% | |
| GREATGRAY TRUST AMERICAN FUNDS 2030 GREAT GRAY · EIN 38-4126262 / PN 566 | Common Collective Trust | — | — | $4.5M | 4.8% | |
| GREATGRAY TRUST AMERICAN FUNDS 2025 GREAT GRAY · EIN 38-4126261 / PN 565 | Common Collective Trust | — | — | $2.6M | 2.8% | |
| AM1 INTERNATIONAL EQUITY CLASS 1 ALTA TRUST · EIN 99-0743245 / PN 001 | Common Collective Trust | — | — | $2.6M | 2.8% | |
| AM1 INCOME CLASS 1 ALTA TRUST · EIN 99-0817300 / PN 001 | Common Collective Trust | — | — | $2.4M | 2.6% | |
| Empower Annuity Insurance Company of America AM1 Income Class 1 | — | — | — | $2.4M | 2.6% | |
| Empower Annuity Insurance Company of America Fixed Annuities | — | — | — | $1.7M | 1.8% | |
| GREATGRAY TRUST AMERICAN FUNDS 2065 GREAT GRAY · EIN 38-7275308 / PN 777 | Common Collective Trust | — | — | $1.1M | 1.2% | |
| Participant Loans Various Interest Rates 4.25% to 10.50% | — | — | — | $1.1M | 1.1% | |
| AM1 PORTFOLIO DIVERSIFIERS CLASS 1 ALTA TRUST · EIN 99-0817374 / PN 001 | Common Collective Trust | — | — | $1.0M | 1.1% | |
| RESOURCES DIVERSIFIED EQUITY ALTA TRUST · EIN 99-0743104 / PN 001 | Common Collective Trust | — | — | $1.0M | 1.1% | |
| GREATGRAY TRUST AMERICAN FUNDS 2020 GREAT GRAY · EIN 38-4126260 / PN 564 | Common Collective Trust | — | — | $1.0M | 1.1% | |
| GREATGRAY TRUST AMERICAN FUNDS 2050 GREAT GRAY · EIN 99-0817374 / PN 570 | Common Collective Trust | — | — | $934K | 1.0% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $779K | 0.8% | |
| GREATGRAY TRUST AMERICAN FUNDS 2015 GREAT GRAY · EIN 38-4126259 / PN 563 | Common Collective Trust | — | — | $445K | 0.5% | |
| CORE BOND FUND CLASS R1 GREAT GRAY · EIN 82-1986152 / PN 000 | Common Collective Trust | — | — | $441K | 0.5% | |
| RESOURCES DIVERSIFIED RISK MITIGATI ALTA TRUST · EIN 99-0743245 / PN 001 | Common Collective Trust | — | — | $271K | 0.3% | |
| Forfetures | — | — | — | $202K | 0.2% | |
| AM1 DOMESTIC EQUITY CLASS 1 GREAT GRAY · EIN 38-4126267 / PN 571 | Common Collective Trust | — | — | $178K | 0.2% | |
| INTERNATIONAL EQUITY FUND FEE CLASS GREAT GRAY · EIN 38-4139853 / PN 000 | Common Collective Trust | — | — | $107K | 0.1% | |
| GREATGRAY TRUST AMERICAN FUNDS 2010 GREAT GRAY · EIN 38-4126290 / PN 593 | Common Collective Trust | — | — | $105K | 0.1% | |
| GREATGRAY TRUST AMERICAN FUNDS 2035 GREAT GRAY · EIN 82-1986152 / PN 567 | Common Collective Trust | — | — | $28K | <0.1% | |
| Empower Annuity Insurance Company of America AM1 Income Class 1 | — | — | — | $13K | <0.1% | |
| GREATGRAY TRUST AMERICAN FUNDS 2045 ALTA TRUST · EIN 83-2060613 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| RESOURCES DIVERSIFIED EQUITY ALTA TRUST · EIN 83-2060613 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| RESOURCES DIVERSIFIED RISK MITIGATI ALTA TRUST · EIN 83-2080943 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |