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Original filing (PDF)20250926125922NAL0011833779001
INDEPENDENT LIVING SYSTEMS
Form 5500
FILING_RECEIVED
INDEPENDENT LIVING SYSTEMS 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
1,540
Accounts w/ balance
1,481
Plan assets (EOY)
$31.7M
Net assets (EOY)
$31.7M
How this plan invests
This plan
2 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
85
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 40 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INDEPENDENT LIVING SYSTEMS.
Plan sponsor
Name
INDEPENDENT LIVING SYSTEMS
DBA
INDEPENDENT LIVING SYSTEMS
EIN
45-0481642
Address
4701 NW 77TH AVE · MIAMI, FL · 33166
Phone
(212) 808-4775
Industry
Professional & Technical Servicessee 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
2025-09-26
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
2U · Association Retirement Plan
Audit & trust (Schedule H)
Auditor
CBIZ CPAS P.C
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $76K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING LLC | 84-4519624 | — | ADVISOR | $50K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
24 direct securities · 2 pooled funds· $31.9M(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.
Uncategorized
$30.3M
24 holdings
Common Collective Trust
$1.6M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Blackrock Lifepath Index Retirement Fund Institutional Stock mutual fund | — | — | — | $4.8M | 15.1% | |
| Shares Blackrock Lifepath Index 2030 Institutional Shares Stock mutual fund | — | — | — | $4.8M | 15.1% | |
| Blackrock Lifepath Index 2035 Institutional Shares Stock mutual fund | — | — | — | $4.0M | 12.7% | |
| Blackrock Lifepath Index 2045 Institutional Shares Stock mutual fund | — | — | — | $2.5M | 8.0% | |
| Fidelity Contrafund Stock mutual fund | — | — | — | $2.5M | 7.8% | |
| Blackrock Lifepath Index 2055 Institutional Shares Stock mutual fund | — | — | — | $2.3M | 7.1% | |
| Blackrock Lifepath Index 2040 Institutional Shares Stock mutual fund | — | — | — | $2.3M | 7.1% | |
| Blackrock Lifepath Index 2050 Institutional Shares Stock mutual fund | — | — | — | $2.0M | 6.1% | |
| iShares Total US Stock Market Index Fund Institutional Stock mutual fund | — | — | — | $1.4M | 4.5% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $1.4M | 4.4% | |
| Victory Sycamore Established Value Fund Class I Stock mutual fund | — | — | — | $649K | 2.0% | |
| iShares US Aggregate Bond Index Fund Institutional Shares Bond mutual fund | — | — | — | $580K | 1.8% | |
| Notes Receivable from Participants Interest rates ranging $-- | — | — | — | $576K | 1.8% | |
| DFA US Targeted Value Portfolio Institutional Class Stock mutual fund | — | — | — | $313K | 1.0% | |
| PGIM High-Yield Fund Class R6 Bond mutual fund | — | — | — | $299K | 0.9% | |
| T. Rowe Price Value Fund I Class Stock mutual fund | — | — | — | $273K | 0.9% | |
| James Henderson Triton Fund Class I Stock mutual fund | — | — | — | $255K | 0.8% | |
| Blackrock Lifepath Index 2065 Institutional Shares Stock mutual fund | — | — | — | $175K | 0.6% | |
| PGIM Global Real Estate Fund Class R6 Stock mutual fund | — | — | — | $167K | 0.5% | |
| Invesco Mid Cap Growth Trust Class A1 Stock mutual fund | — | — | — | $165K | 0.5% | |
| INV DISC MD-CP GR A1 INVESCO TRUST COMPANY · EIN 20-2583973 / PN 108 | Common Collective Trust | — | — | $165K | 0.5% | |
| American Funds EuroPacific Growth Fund Class R6 Stock mutual fund | — | — | — | $148K | 0.5% | |
| American Funds New World Fund Class R6 Stock mutual fund | — | — | — | $64K | 0.2% | |
| T. Rowe Price International Discovery Fund Stock mutual fund | — | — | — | $53K | 0.2% | |
| Blackrock Lifepath Index 2065 Institutional Shares Stock mutual fund | — | — | — | $53K | 0.2% | |
| iShares MSCI Total International Index Fund Institutional Stock mutual fund | — | — | — | $52K | 0.2% |
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