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Original filing (PDF)20251006125410NAL0001865139001
LEGACY, LLC
Form 5500
FILING_RECEIVED
LEGACY, LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
39% in single holding~84 bps in Sched C fees
Active participants
140
Accounts w/ balance
130
Plan assets (EOY)
$4.9M
Net assets (EOY)
$4.9M
How this plan invests
This plan
15 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
87
/ 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
81
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "s T. Rowe Price Retirement 2025 I" is 39% of plan.
- 84 bps in Schedule C fees — 62% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LEGACY, LLC.
Plan sponsor
Name
LEGACY, LLC
EIN
47-2413816
Address
2195 SOUTH MILFORD ROAD, SUITE B · MILFORD, MI · 48381
Phone
(248) 769-7400
Industry
Real Estatesee 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
2025-10-06
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
REHMANN ROBSON
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $14K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC DBA | — | CLEVELAND, OH | INVESTMENT ADVISOR | $12K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| REHMANN LLC DBA REHMANN FINANCIAL | — | SAGINAW, MI | AUDITOR | $16K | — |
Investments
14 direct securities· $4.0M(81% of reported assets)
Uncategorized
$2.2M
13 holdings
Mutual Funds
$1.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Retirement 2025 I | Mutual Funds | — | — | $1.7M | 35.7% | |
| T. Rowe Price Retirement 2020 I | — | — | — | $570K | 11.6% | |
| T. Rowe Price Retirement 2035 I | — | — | — | $401K | 8.2% | |
| Black Rock Ishares S&P 500 Index K | — | — | — | $288K | 5.9% | |
| T. Rowe Price Retirement 2045 I | — | — | — | $191K | 3.9% | |
| T. Rowe Price Retirement 2050 I | — | — | — | $166K | 3.4% | |
| Fidelity Advisor Total Bond Z | — | — | — | $161K | 3.3% | |
| T. Rowe Price Blue Chip Growth I | — | — | — | $137K | 2.8% | |
| T. Rowe Price Retirement 2040 I | — | — | — | $103K | 2.1% | |
| T. Rowe Price Retirement 2060 I | — | — | — | $95K | 1.9% | |
| T. Rowe Price Retirement 2055 I | — | — | — | $44K | 0.9% | |
| Fidelity Advisor Small Cap Growth Z | — | — | — | $28K | 0.6% | |
| T. Rowe Price Retirement 2010 I | — | — | — | $14K | 0.3% | |
| T. Rowe Price Retirement 2065 I | — | — | — | $13K | 0.3% |