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Original filing (PDF)20250414162634NAL0003550080001
RETIRING BY DESIGN
Form 5500
FILING_RECEIVED
SOLUTIONS ADVISORS 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 4
Late filing · 28.9 mo44% in single holding~133 bps in Sched C feesNo recordkeeper disclosed
Active participants
795
Accounts w/ balance
174
Plan assets (EOY)
$2.4M
Net assets (EOY)
$2.4M
How this plan invests
This plan
12 pooled trusts
Schedule D
13 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score
72
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
75
Concentration risk
78
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Filed 28.9 months past the 10.5-month grace window.
- Top holding "Securian AM S&P 500 Index Pooled Separate Account * MN Life Insurance Co." is 44% of plan.
- 133 bps in Schedule C fees — 155% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 22% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RETIRING BY DESIGN.
Plan sponsor
Name
RETIRING BY DESIGN
DBA
SOLUTIONS ADVISORS
EIN
45-4190056
Address
12425 28TH STREET N · SUITE 100 · ST. PETERSBURG, FL · 33716
Phone
(727) 220-4442
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2021-01-01
Tax period
2021-12-31
Filed
2025-04-14
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
COWAN GUNTESKI & CO., P.A.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MINNESOTA LIFE INSURANCE COMPANY | 41-0417830 | — | NONE | $31K | — |
Investments
1 direct security · 12 pooled funds· $2.4M(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.
Pooled Separate Account
$2.0M
12 holdings
Uncategorized
$315K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SECURIAN AM S&P 500 INDEX MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 011 | Pooled Separate Account | — | — | $1.0M | 44.2% | |
| VANGUARD TOT BOND MKT IDX ADM MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 154 | Pooled Separate Account | — | — | $321K | 13.6% | |
| Guaranteed Return Account Insurance Company General Account group contract * MN Life Insurance Co. | — | — | — | $315K | 13.3% | |
| TIAA-CREF INTL EQ IDX INSTL MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 788 | Pooled Separate Account | — | — | $303K | 12.9% | |
| VGD EXTENDED MKT IDX ADM MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 112 | Pooled Separate Account | — | — | $295K | 12.5% | |
| MFS GROWTH R3 MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 361 | Pooled Separate Account | — | — | $23K | 1.0% | |
| DFA INFL-PROTECTED SEC PORT, I MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 221 | Pooled Separate Account | — | — | $19K | 0.8% | |
| INVCO OPPHMR INTL GR R5 MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 277 | Pooled Separate Account | — | — | $15K | 0.6% | |
| INVESCO DIVERSIFIED DIVIDND R5 MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 283 | Pooled Separate Account | — | — | $9K | 0.4% | |
| JANUS HENDERSON TRITON N MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 223 | Pooled Separate Account | — | — | $7K | 0.3% | |
| SECURIAN AM CORE BOND MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 240 | Pooled Separate Account | — | — | $4K | 0.2% | |
| DFA INTERNATIONAL VALUE PORT MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 110 | Pooled Separate Account | — | — | $4K | 0.1% | |
| DFA U.S. TARGETED VALUE PORT MINNESOTA LIFE INSURANCE COMPANY · EIN 41-0417830 / PN 127 | Pooled Separate Account | — | — | $2K | <0.1% |
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