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Original filing (PDF)20251013140649NAL0001467953001
WATERMILL EXPRESS LLC
Form 5500
FILING_RECEIVED
WATERMILL EXPRESS RETIREMENT PLAN
401(k) retirement plan
Signals · 2
39% in single holdingNo recordkeeper disclosed
Active participants
325
Accounts w/ balance
303
Plan assets (EOY)
$9.7M
Net assets (EOY)
$9.7M
How this plan invests
This plan
1 pooled trust
Schedule D
18 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
94
/ 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
80
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "AUL** Retirementtrack Mod Ret R1" is 39% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (24 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WATERMILL EXPRESS LLC.
Plan sponsor
Name
WATERMILL EXPRESS LLC
EIN
42-1601440
Address
1177 S 4TH AVE · BRIGHTON, CO · 80601
Phone
(303) 654-3457
Industry
Retail Tradesee 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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PLANTE & MORAN PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| IFAM CAPITAL | 47-2600132 | — | NONE | $19K | — |
| AMERICAN UNITED LIFE INSURANCE CO | 35-0145825 | — | NONE | $5K | — |
Investments
18 direct securities · 1 pooled fund· $19.2M(100% 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.
Uncategorized
$9.7M
18 holdings
Pooled Separate Account
$9.5M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT II AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000 | Pooled Separate Account | — | — | $9.5M | 98.5% | |
| AUL** Retirementtrack Mod Ret R1 | — | — | — | $3.8M | 39.5% | |
| AUL** Retirementtrack Mod 2035 R1 | — | — | — | $3.7M | 38.1% | |
| AUL** Retirementtrack Mod 2045 R1 | — | — | — | $648K | 6.7% | |
| AUL** Fidelity 500 Index | — | — | — | $425K | 4.4% | |
| AUL** Retirementtrack Mod 2055 R1 | — | — | — | $225K | 2.3% | |
| AUL** Fidelity Midcap Idx | — | — | — | $179K | 1.9% | |
| AUL** MFS Val R6 | — | — | — | $173K | 1.8% | |
| AUL** Amercent Midcap Val R6 | — | — | — | $157K | 1.6% | |
| through August 2029, collateralized by participants' vested account balances - | — | — | — | $146K | 1.5% | |
| AUL** Retirementtrack Mod 2065 R1 | — | — | — | $62K | 0.6% | |
| AUL** Vanguard Explorer Adm | — | — | — | $47K | 0.5% | |
| AUL** Fidelity Intl Index | — | — | — | $40K | 0.4% | |
| AUL** Retirementtrack Agg 2035 R1 | — | — | — | $38K | 0.4% | |
| AUL** PGIM High-Yield R6 | — | — | — | $17K | 0.2% | |
| AUL** Retirementtrack Agg Ret R1 | — | — | — | $5K | <0.1% | |
| AUL** Fidelity US Bond Idx | — | — | — | $3K | <0.1% | |
| AUL** T. Rowe Price Global Alloc I | — | — | — | $3K | <0.1% | |
| AUL** Fidelity Emerging Markets Idx | — | — | — | $1K | <0.1% |
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