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Original filing (PDF)20251204074649NAL0003840002001
THE LOVE COMPANIES
Form 5500
FILING_RECEIVED
THE LOVE COMPANIES 401(K) PLAN
401(k) retirement plan
Signals · 3
Late filing · 0.6 mo~109 bps in Sched C feesNo recordkeeper disclosed
Active participants
1,208
Accounts w/ balance
1,396
Plan assets (EOY)
$18.6M
Net assets (EOY)
$18.6M
How this plan invests
This plan
18 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
98
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Filed 0.6 months past the 10.5-month grace window.
- 109 bps in Schedule C fees — 277% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE LOVE COMPANIES.
Plan sponsor
Name
THE LOVE COMPANIES
EIN
43-0383910
Address
212 S CENTRAL AVE 304 · SAINT LOUIS, MO · 631053500
Phone
(314) 512-8711
Industry
Real Estatesee 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
2025-12-04
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY LLC | 20-8764829 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $186K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FORVIS, LLP | 44-0160260 | — | ACCOUNTANT | $17K | — |
Investments
18 direct securities· $18.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Guaranteed Investment Account | — | 215,107 | — | $4.7M | 24.9% | |
| Allspring Core Plus Bond Fund | — | 235,989 | — | $2.6M | 14.0% | |
| Vanguard Growth Index Fund Admiral | — | 10,968 | — | $2.3M | 12.4% | |
| Neuberger Berman Large Cap Value Fund | — | 35,930 | — | $1.6M | 8.6% | |
| Vanguard Total International Stock Index Fund Admiral | — | 50,044 | — | $1.6M | 8.5% | |
| Fidelity 500 Index Fund | — | 6,155 | — | $1.3M | 6.7% | |
| Eaton Vance Income Fund of Boston R6 | — | 162,258 | — | $842K | 4.5% | |
| Heartland Mid Cap Value Fund | — | 60,393 | — | $818K | 4.4% | |
| JPMorgan Mid Cap Growth Fund | — | 10,934 | — | $565K | 3.0% | |
| New World Fund Inc | — | 7,343 | — | $565K | 3.0% | |
| Vanguard Information Technology Index Fund Admiral | — | 1,606 | — | $511K | 2.7% | |
| Fidelity Mid Cap Index Fund | — | 14,454 | — | $488K | 2.6% | |
| Fidelity Small Cap Index Fund | — | 16,353 | — | $453K | 2.4% | |
| Notes Receivable from Participants | — | — | — | $210K | 1.1% | |
| Calvert International Equity Fund | — | 2,739 | — | $65K | 0.4% | |
| American New Perspective Fund | — | 825 | — | $51K | 0.3% | |
| DFA Real Estate Securities I Fund | — | 621 | — | $25K | 0.1% | |
| Vanguard Health Care Index Fund Admiral | — | 117 | — | $15K | <0.1% |