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Original filing (PDF)20251009080247NAL0006268689001
NATIONAL CONVENIENCE DISTRIBUTORS, LLC
Form 5500
FILING_RECEIVED
NATIONAL CONVENIENCE DISTRIBUTORS 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~85 bps in Sched C fees
Active participants
993
Accounts w/ balance
1,162
Plan assets (EOY)
$39.2M
Net assets (EOY)
$39.2M
How this plan invests
This plan
39 pooled trusts
Schedule D
39 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
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 85 bps in Schedule C fees — 192% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NATIONAL CONVENIENCE DISTRIBUTORS, LLC.
Plan sponsor
Name
NATIONAL CONVENIENCE DISTRIBUTORS, LLC
EIN
47-1128020
Address
21 BANFI PLAZA · FARMINGDALE, NY · 11735
Phone
(631) 962-2400
Industry
Wholesale Tradesee all
Plan administrator
Name
COMPASS 360, LLC
EIN
81-1939215
City
STRATHAM, NH
Phone
(603) 778-9920
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
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
MEYERS BROTHERS KALICKA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER LIFE & ANNUITY INSURANCE | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $124K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STIFEL NICOLAUS & CO INC. | — | ST LOUIS, MO | INVESTMENT ADVISOR | $71K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMPASS 360 | — | STRATHAM, NH | CONTRACT ADMIN | $75K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $62K | — |
Investments
39 pooled funds· $37.1M(95% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| NUVEEN LIFECYCLE INDEX 2045 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $3.1M | 8.0% | |
| EI FIXED ACCOUNT - SERIES CLASS II EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $2.5M | 6.5% | |
| FIDELITY 500 INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $2.5M | 6.3% | |
| NUVEEN LIFECYCLE INDEX 2040 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $2.1M | 5.3% | |
| NUVEEN LIFECYCLE INDEX 2035 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $2.0M | 5.1% | |
| NUVEEN LIFECYCLE INDEX RET INC R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.9M | 4.9% | |
| FIDELITY CONTRAFUND EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.8M | 4.5% | |
| AMERICAN FUNDS NEW PERSPECTIVE R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.6M | 4.1% | |
| NUVEEN LIFECYCLE INDEX 2050 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.6M | 4.0% | |
| AMERICAN FUNDS NEW WORLD R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.5M | 4.0% | |
| FIDELITY LARGE CAP GROWTH INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.4M | 3.6% | |
| PIMCO INCOME INSTL EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.4M | 3.6% | |
| NUVEEN LIFECYCLE INDEX 2055 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.2M | 3.1% | |
| FIDELITY INTERNATIONAL INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $1.2M | 3.0% | |
| NUVEEN LIFECYCLE INDEX 2060 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $994K | 2.5% | |
| AMERICAN FUNDS AMERICAN BALANCED R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $989K | 2.5% | |
| BLACKROCK STRATEGIC GLOBAL BOND K EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $966K | 2.5% | |
| FIDELITY LONG TERM TREASURY BOND IN EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $874K | 2.2% | |
| AMERICAN FUNDS WASHINGTON MUTUAL R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $800K | 2.0% | |
| AMERICAN FUNDS EUROPACIFIC GR R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $750K | 1.9% | |
| NUVEEN LIFECYCLE INDEX 2030 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $713K | 1.8% | |
| FIDELITY MID CAP INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $709K | 1.8% | |
| COLUMBIA DIVIDEND INCOME INSTL EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $699K | 1.8% | |
| T. ROWE PRICE SCIENCE & TECH I EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $657K | 1.7% | |
| COHEN & STEERS REAL ESTATE SECURITI EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $514K | 1.3% | |
| FIDELITY MID CAP VALUE INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $356K | 0.9% | |
| FIDELITY SMALL CAP INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $343K | 0.9% | |
| FIDELITY SMALL CAP GROWTH INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $310K | 0.8% | |
| BLACKROCK HIGH YIELD BOND PORTFOLIO EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $273K | 0.7% | |
| FIDELITY SMALL CAP VALUE INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $269K | 0.7% | |
| AMERICAN FUNDS SMALLCAP WORLD R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $248K | 0.6% | |
| AMERICAN FUNDS FUNDAMENTAL INVESTOR EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $200K | 0.5% | |
| FIDELITY MID CAP GROWTH INDEX EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $193K | 0.5% | |
| FRANKLIN UTILITIES ADV EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $96K | 0.2% | |
| NUVEEN LIFECYCLE INDEX 2025 R6 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $78K | 0.2% | |
| MFS MID CAP GROWTH R3 EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $55K | 0.1% | |
| JHANCOCK DISCIPLINED VALUE MID CAP EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $47K | 0.1% | |
| T. ROWE PRICE SMALL CAP VALUE FUND EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $40K | 0.1% | |
| FIDELITY ADVISOR GOLD Z EMPOWER LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK · EIN 93-1225432 / PN 000 | Pooled Separate Account | — | — | $32K | <0.1% |
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