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Original filing (PDF)20251013090528NAL0000402611001
ST. CLOUD ORTHOPEDIC ASSOCIATES, LTD.
Form 5500
FILING_RECEIVED
ST. CLOUD ORTHOPEDIC ASSOCIATES, LTD. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
35% in single holding
Active participants
133
Accounts w/ balance
180
Plan assets (EOY)
$45.5M
Net assets (EOY)
$45.5M
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)
97
/ 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
83
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "PIMCO ALL ASSET INSTL" is 35% of plan.
Helping the score
- Below-peer total fees (16 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ST. CLOUD ORTHOPEDIC ASSOCIATES, LTD..
Plan sponsor
Name
ST. CLOUD ORTHOPEDIC ASSOCIATES, LTD.
EIN
41-0966155
Address
1901 CONNECTICUT AVE. S · SARTELL, MN · 56377
Phone
(320) 259-4100
Industry
Offices of Physicians· Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SCHLENNER WENNER & CO.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPITAL GROUP RETIREMENT PLAN SVCS. | 82-4555287 | — | RECORDKEEPER | $17K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES INC | — | NASHVILLE, TN | INVESTMENT ADVISOR | $54K | — |
Investments
36 direct securities· $45.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PIMCO ALL ASSET INSTL | — | — | — | $15.9M | 35.0% | |
| PIMCO COMMODITY REAL RETURN STRAT INSTL | — | — | — | $4.3M | 9.4% | |
| AMERICAN FUNDS CAPITAL WORLD BOND FUND R6 | — | — | — | $3.3M | 7.2% | |
| PIMCO TOTAL RETURN INSTL | — | — | — | $2.3M | 5.1% | |
| AMERICAN FUNDS 2050 TARGET DATE FUND R6 | — | — | — | $2.3M | 5.0% | |
| AMERICAN FUNDS 2055 TARGET DATE FUND R6 | — | — | — | $2.0M | 4.5% | |
| AMERICAN FUNDS NEW WORLD FUND R6 | — | — | — | $2.0M | 4.3% | |
| AMERICAN FUNDS 2045 TARGET DATE FUND R6 | — | — | — | $1.9M | 4.1% | |
| AMERICAN FUNDS 2060 TARGET DATE FUND R6 | — | — | — | $1.9M | 4.1% | |
| AMERICAN FUNDS 2065 TARGET DATE FUND R6 | — | — | — | $1.8M | 4.0% | |
| AMERICAN FUNDS 2040 TARGET DATE FUND R6 | — | — | — | $1.4M | 3.2% | |
| SCHWAB ROTH | — | — | — | $1.3M | 2.8% | |
| AMERICAN FUNDS 2025 TARGET DATE FUND R6 | — | — | — | $718K | 1.6% | |
| PIMCO REAL RETURN FUND | — | — | — | $503K | 1.1% | |
| AMERICAN FUNDS INTER BOND FUND R4 | — | — | — | $470K | 1.0% | |
| AMERICAN FUNDS 2010 TARGET DATE FUND R6 | — | — | — | $427K | 0.9% | |
| AMERICAN FUNDS INCOME FUND R6 | — | — | — | $413K | 0.9% | |
| AMERICAN FUNDS MONEY MARKET FUND R6 | — | — | — | $367K | 0.8% | |
| AMERICAN FUNDS 2020 TARGET DATE FUND R6 | — | — | — | $310K | 0.7% | |
| AMERICAN FUNDS INV CO AMER R6 | — | — | — | $262K | 0.6% | |
| AMERICAN FUNDS SMALLCAP WORLD R6 | — | — | — | $251K | 0.6% | |
| AMERICAN FUNDS GROWTH FUND R6 | — | — | — | $237K | 0.5% | |
| AMERICAN FUNDS 2035 TARGET DATE FUND R6 | — | — | — | $225K | 0.5% | |
| SCHWAB SDBS | — | — | — | $208K | 0.5% | |
| VANGUARD MID CAP INDEX ADM | — | — | — | $178K | 0.4% | |
| AMERICAN FUNDS 2030 TARGET DATE FUND R6 | — | — | — | $148K | 0.3% | |
| T. ROWE PRICE MIDCAP VALUE | — | — | — | $98K | 0.2% | |
| PARTICIPANT LOANS | — | — | $0 | $84K | 0.2% | |
| AMERICAN FUNDS EUROPACIFIC R6 | — | — | — | $66K | 0.1% | |
| ROYCE SMALL-CAP TOTAL RETURN INSTL | — | — | — | $59K | 0.1% | |
| HARTFORD MID CAP R6 | — | — | — | $45K | <0.1% | |
| VANGUARD TOTAL BOND MARKET INDEX ADMIRAL | — | — | — | $33K | <0.1% | |
| VANGUARD TOTAL INTL STOCK INDEX ADMIRAL | — | — | — | $32K | <0.1% | |
| VANGUARD SMALL CAP INDEX FUND ADMIRAL | — | — | — | $12K | <0.1% | |
| VANGUARD TOTAL STOCK MRK INDEX ADMIRAL | — | — | — | $11K | <0.1% | |
| MFS VALUE FUND | — | — | — | $212 | <0.1% |
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