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Original filing (PDF)20251015140544NAL0006520400001
FERNANDEZ HOLDINGS, INC.
Form 5500
FILING_RECEIVED
FERNANDEZ HOLDINGS, INC. 401(K) PLAN
401(k) retirement plan
Active participants
3,228
Accounts w/ balance
2,064
Plan assets (EOY)
$121.4M
Net assets (EOY)
$121.4M
How this plan invests
This plan
32 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
- 49 bps in Schedule C fees — 389% above peer band of 10 bps.
- 64% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FERNANDEZ HOLDINGS, INC..
Plan sponsor
Name
FERNANDEZ HOLDINGS, INC.
EIN
27-5560752
Address
1029 N SWARTHMORE AVE · PACIFIC PALISADES, CA · 90272
Phone
(310) 571-1207
Industry
Management of Companies / Holdingssee 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
2025-10-15
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
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN 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 | $192K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGANSTANLEYSMITHBARNEYLLC | 20-8764829 | — | INVESTMENT ADVISOR | $386K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTONLARSONALLEN LLP | 41-0746749 | — | ACCOUNTANT/AUDITOR | $15K | — |
Investments
32 direct securities· $121.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Target Date Retirement 2035 Fund | — | — | — | $15.1M | 12.4% | |
| American Funds Target Date Retirement 2030 Fund | — | — | — | $14.1M | 11.6% | |
| American Funds Target Date Retirement 2040 Fund | — | — | — | $12.4M | 10.2% | |
| Fidelity 500 Index | — | — | — | $11.7M | 9.6% | |
| American Funds Target Date Retirement 2045 Fund | — | — | — | $11.1M | 9.1% | |
| American Funds Target Date Retirement 2025 Fund | — | — | — | $9.0M | 7.4% | |
| American Funds Target Date Retirement 2050 Fund | — | — | — | $8.7M | 7.2% | |
| American Funds Target Date Retirement 2055 Fund | — | — | — | $6.0M | 4.9% | |
| American Funds Target Date Retirement 2060 Fund | — | — | — | $5.2M | 4.3% | |
| Fidelity OTC Portfolio Class K | — | — | — | $5.2M | 4.3% | |
| Lincoln Stable Value Account | — | — | — | $3.8M | 3.1% | |
| American Funds Target Date Retirement 2020 Fund | — | — | — | $3.3M | 2.7% | |
| Participants Participant Loans Rates from 4.25% to 9.50% | — | — | — | $2.3M | 1.9% | |
| Fidelity Puritan Fund Class K | — | — | — | $1.5M | 1.2% | |
| American Funds Target Date Retirement 2065 Fund | — | — | — | $1.5M | 1.2% | |
| JP Morgan Equity Income Fund Class R6 | — | — | — | $1.4M | 1.1% | |
| Fidelity International Index | — | — | — | $1.2M | 1.0% | |
| Fidelity Mid Cap Index | — | — | — | $1.1M | 0.9% | |
| Fidelity Small Cap Index | — | — | — | $890K | 0.7% | |
| American Funds Target Date Retirement 2015 Fund | — | — | — | $777K | 0.6% | |
| American Funds EuroPacific Growth Fund | — | — | — | $731K | 0.6% | |
| Undiscovered Managers Behavioral Value Fund R6 | — | — | — | $639K | 0.5% | |
| Fidelity US Bond Index | — | — | — | $639K | 0.5% | |
| T. Rowe Price Diversified Mid Cap Growth Fund | — | — | — | $535K | 0.4% | |
| Metropolitan West Total Return Bd Admin | — | — | — | $471K | 0.4% | |
| Invesco Oppenheimer Develop Market Y | — | — | — | $465K | 0.4% | |
| BWG High Yield IS | — | — | — | $444K | 0.4% | |
| Cohen & Steers Real Estate Securities Z | — | — | — | $403K | 0.3% | |
| John Hancock Disciplined Value Mid Cap Fund | — | — | — | $359K | 0.3% | |
| Janus Henderson Triton Fund Class T | — | — | — | $277K | 0.2% | |
| American Funds Inflation Linked Bond Fund Class R6 | — | — | — | $176K | 0.1% | |
| Hartford World Bond R6 | — | — | — | $163K | 0.1% |