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Original filing (PDF)20251015153530NAL0010411554001
VACO HOLDINGS, LLC
Form 5500
FILING_RECEIVED
VACO 401(K) PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
6,031
Accounts w/ balance
4,062
Plan assets (EOY)
$220.3M
Net assets (EOY)
$220.3M
How this plan invests
This plan
1 pooled trust
Schedule D
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 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
85
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
- 20 bps in Schedule C fees — 101% above peer band of 10 bps.
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VACO HOLDINGS, LLC.
Plan sponsor
Name
VACO HOLDINGS, LLC
EIN
46-0863705
Address
5501 VIRGINIA WAY · SUITE 120 · BRENTWOOD, TN · 37027
Phone
(615) 324-8226
Industry
Admin Support & Waste Mgmtsee 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
2025-10-15
Pension benefit codes
2G · Total participant-directed accounts
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
2J · 401(k) feature
3B · Covers self-employed individuals
2F · ERISA section 404(c)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
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 | $157K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH | 13-5674085 | — | INVESTMENT ADVISOR | $286K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
34 direct securities · 1 pooled fund· $220.3M(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
$210.3M
33 holdings
Common Collective Trust
$6.0M
1 holding
Mutual Funds
$4.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund | — | — | — | $38.9M | 17.7% | |
| Fidelity ClearBridge Large Cap Growth Fund Class A | — | — | — | $17.3M | 7.8% | |
| American Funds 2050 Target Date Retirement Fund R6 | — | — | — | $16.0M | 7.3% | |
| American Funds 2045 Target Date Retirement Fund R6 | — | — | — | $15.7M | 7.1% | |
| American Funds 2035 Target Date Retirement Fund R6 | — | — | — | $14.9M | 6.8% | |
| American Funds 2055 Target Date Retirement Fund R6 | — | — | — | $13.2M | 6.0% | |
| American Funds 2040 Target Date Retirement Fund R6 | — | — | — | $11.5M | 5.2% | |
| Vanguard Equity-Income Fund Admiral Shares | — | — | — | $10.1M | 4.6% | |
| American Funds 2060 Target Retirement Fund R6 | — | — | — | $9.4M | 4.3% | |
| American Funds 2030 Target Date Retirement Fund R6 | — | — | — | $7.9M | 3.6% | |
| American Funds 2025 Target Date Retirement Fund R6 | — | — | — | $7.2M | 3.3% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | — | $6.0M | 2.7% | |
| Fidelity Mid Cap Index | — | — | — | $5.5M | 2.5% | |
| MFS International Growth Fund Class R6 | — | — | — | $4.8M | 2.2% | |
| PIMCO Income Fund Institutional Class | Mutual Funds | — | — | $4.0M | 1.8% | |
| Victory Sycamore Established Value Fund Class R6 | — | — | — | $4.0M | 1.8% | |
| Vanguard Small-Cap Index Fund Admiral Shares | — | — | — | $3.8M | 1.7% | |
| Allspring Core Bond R6 Fund | — | — | — | $3.7M | 1.7% | |
| MFS Mid Cap Growth Fund Class R6 | — | — | — | $3.7M | 1.7% | |
| Fidelity Total International Index Fund | — | — | — | $3.0M | 1.4% | |
| Virtus KAR Small-Cap Growth Fund | — | — | — | $2.9M | 1.3% | |
| Columbia Contran Core I3 | — | — | — | $2.8M | 1.3% | |
| American Funds 2065 Target Date Retirement Fund R6 | — | — | — | $2.1M | 1.0% | |
| American Funds New Perspective Fund Class R6 | — | — | — | $1.9M | 0.9% | |
| Victory Sycamore Small Company Opportunity Fund | — | — | — | $1.8M | 0.8% | |
| American Funds New World R6 | — | — | — | $1.6M | 0.7% | |
| Vanguard International Value Fund | — | — | — | $1.5M | 0.7% | |
| MGL Small-Cap Core R6 | — | — | — | $1.3M | 0.6% | |
| Principal Real Estate Securities Fund Institutional Class | — | — | — | $1.2M | 0.5% | |
| Vanguard High-Yield Corporate Fund Admiral Shares | — | — | — | $1.1M | 0.5% | |
| American Funds 2020 Target Date Retirement Fund R6 | — | — | — | $892K | 0.4% | |
| PIMCO International Bond Fund (US Dollar- Hedged) | — | — | — | $391K | 0.2% | |
| American Funds 2010 Target Date Retirement Fund R6 | — | — | — | $251K | 0.1% | |
| American Funds 2015 Target Date Retirement Fund R6 | — | — | — | $50K | <0.1% | |
| secured by participants' account balances -0- | — | — | — | $25K | <0.1% |
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