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Original filing (PDF)20251210143617NAL0005614208001
KAIZEN AUTO CARE, LLC
Form 5500
FILING_RECEIVED
KAIZEN AUTO CARE, LLC 401(K) PLAN
401(k) retirement plan
Signals · 3
Late filing · 0.8 mo~148 bps in Sched C feesNo recordkeeper disclosed
Active participants
481
Accounts w/ balance
357
Plan assets (EOY)
$7.0M
Net assets (EOY)
$7.0M
How this plan invests
This plan
13 pooled trusts
Schedule D
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
97
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Filed 0.8 months past the 10.5-month grace window.
- 148 bps in Schedule C fees — 185% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KAIZEN AUTO CARE, LLC.
Plan sponsor
Name
KAIZEN AUTO CARE, LLC
EIN
46-4597239
Address
1405 N HAYDEN RD, · SCOTTSDALE, AZ · 85257
Phone
(480) 347-0336
Industry
Other Services (ex. Public Admin)see 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
2025-12-10
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA ADVISORS LLC | 84-0858799 | — | INVESTMENT ADVISORY | $0 | — |
| CETERA INVESTMENT ADVISERS LLC | 36-3258176 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $90K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA RETIREMENT PLAN SPECIALISTS | 94-2279761 | — | CONTACT ADMINISTRATOR | $14K | — |
Investments
12 direct securities · 13 pooled funds· $7.0M(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
$6.8M
13 holdings
Uncategorized
$228K
12 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PRIN LIFETIME 2045 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 113 | Pooled Separate Account | — | — | $1.4M | 19.8% | |
| PRIN LIFETIME 2030 SEP ACCT-Z P PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 077 | Pooled Separate Account | — | — | $1.3M | 17.9% | |
| PRIN LIFETIME 2025 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 111 | Pooled Separate Account | — | — | $817K | 11.7% | |
| PRIN LIFETIME 2040 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 078 | Pooled Separate Account | — | — | $801K | 11.5% | |
| PRIN LIFETIME 2055 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 114 | Pooled Separate Account | — | — | $661K | 9.5% | |
| PRIN LIFETIME 2050 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 079 | Pooled Separate Account | — | — | $622K | 8.9% | |
| PRIN LIFETIME 2060 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 130 | Pooled Separate Account | — | — | $531K | 7.6% | |
| PRIN LIFETIME 2035 SEP ACT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 112 | Pooled Separate Account | — | — | $476K | 6.8% | |
| PRIN LIFETIME 2065 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 173 | Pooled Separate Account | — | — | $195K | 2.8% | |
| Maturities 2024 to 2029 - | — | — | — | $139K | 2.0% | |
| Fidelity 500 Index Fund | — | — | — | $27K | 0.4% | |
| PRIN LARGECAP GROWTH I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 066 | Pooled Separate Account | — | — | $23K | 0.3% | |
| Allspring Small Company Growth R6 Fund | — | — | — | $11K | 0.2% | |
| Fidelity Mid Cap Index Fund | — | — | — | $9K | 0.1% | |
| Fidelity Small Cap Index Fund | — | — | — | $8K | 0.1% | |
| Principal LifeTime 2070 Separate Account-Z | — | — | — | $8K | 0.1% | |
| PRIN LIFETM 2070 SEP ACCT-Z P PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 179 | Pooled Separate Account | — | — | $8K | 0.1% | |
| Invesco Discovery Mid Cap Growth R6 Fund | — | — | — | $7K | 0.1% | |
| Fidelity International Index Fund | — | — | — | $7K | <0.1% | |
| John Hancock John Hancock Disciplined Value R6 Fund | — | — | — | $6K | <0.1% | |
| Principal Fixed Income Guaranteed Option | — | — | — | $3K | <0.1% | |
| American Funds American Funds EuroPacific Growth R6 Fund 210 American Funds American Funds Washington Mutual Investors R6 Fund | — | — | — | $2K | <0.1% | |
| John Hancock John Hancock Bond R6 Fund | — | — | — | $2K | <0.1% | |
| PRIN LIFETIME 2020 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 076 | Pooled Separate Account | — | — | $2K | <0.1% | |
| PRINCIPAL SMALLCAP SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 029 | Pooled Separate Account | — | — | $0 | <0.1% |
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