Original filing (PDF)20251015163649NAL0010338674001

WATSON CLINIC LLP

Name: WATSON CLINIC LLP — WATSON CLINIC LLP 401(K) PROFIT SHARING PLAN, Form 5500 (2024)
Creator: WATSON CLINIC LLP

Form 5500

FILING_RECEIVED

WATSON CLINIC LLP 401(K) PROFIT SHARING PLAN

401(k) retirement plan

Signals · 1

13 service providers

Active participants

2,092

Accounts w/ balance

2,776

Plan assets (EOY)

$327.8M

Net assets (EOY)

$327.8M

How this plan invests

This plan

1 pooled trust

Schedule D

552 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

100

Participation health

100

Knocking points off

20 bps in Schedule C fees — 100% above peer band of 10 bps.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WATSON CLINIC LLP.

Plan sponsor

Name

WATSON CLINIC LLP

EIN

59-0704934

Address

1430 LAKELAND HILLS BLVD, 4TH FLOOR · LAKELAND, FL · 338053202

Phone

(863) 680-7000

Industry

Offices of Physicians· Health Care & Social Assistancesee 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

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

2R · Participant-directed brokerage (SDBA)

2S · Automatic enrollment

2T · Default investment account (QDIA)

3B · Covers self-employed individuals

Welfare benefit codes

4B · Life Insurance

Audit & trust (Schedule H)

Auditor

CROWE LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

13 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
ONEAMERICA RETIREMENT SERVICES	46-5378846	—	RECORDKEEPER	$293K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
JAMES M LUFFMAN	—	LAKELAND, FL	ADVISOR	$133K	—
AGW CAPITAL ADVISORS	—	TAMPA, FL	ADVISOR	$76K	—
FRED LOPEZ/ALLEN & CO OF FLORIDA	—	LAKELAND, FL	ADVISOR	$34K	—
LINDSEY SHANNON	—	SAINT LOUIS, MO	ADVISOR	$29K	—
WILLIAM MERRIAM	—	JACKSONVILLE, FL	ADVISOR	$21K	—
ISAAC HARTMANN	—	LAKELAND, FL	ADVISOR	$18K	—
CHARLES SCHWAB	—	PHOENIX, AZ	ADVISOR	$17K	—
STERLING J SEARCY, JR	—	LAKELAND, FL	ADVISOR	$13K	—
TD AMERITRADE	82-0543156	—	ADVISOR	$8K	—
JEFFREY LARSON	—	ST LOUIS, MO	ADVISOR	$7K	—
MONEY PROFESSIONALS	—	PENSACOLA, FL	ADVISOR	$6K	—

Trustee

Name	EIN	Location	Relation	Direct comp	Indirect comp
MATRIX TRUST COMPANY	75-3182674	—	TRUSTEE	$0	—

Investments

548 direct securities · 1 pooled fund· $326.0M(99% 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

$311.1M

544 holdings

Common Collective Trust

$14.8M

1 holding

Mutual Funds

$80K

1 holding

Common Stocks

$42K

1 holding

Real Estate

$26K

1 holding

Preferred Stocks

$2K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
Vanguard Institutional Index I	—	—	—	$52.4M	16.0%
American Funds American Funds American Balanced R6	—	—	—	$45.2M	13.8%
Fidelity Investments Fidelity® Contrafund® K6	—	—	—	$39.7M	12.1%
BlackRock Equity Dividend Instl	—	—	—	$19.0M	5.8%
PIMCO Total Return Instl	—	—	—	$18.3M	5.6%
T Rowe Price T. Rowe Price Mid-Cap Value	—	—	—	$15.3M	4.7%
MORLEY FINANCIAL STABLE VALUE FUND UNION BOND & TRUST COMPANY · EIN 93-6274329 / PN 001	Common Collective Trust	—	—	$14.8M	4.5%
American Funds American Funds Europacific Growth R6	—	—	—	$11.9M	3.6%
Franklin Small Cap Value CL R6 Franklin Small Cap Value CL R6	—	—	—	$8.6M	2.6%
Harbor Small Cap Growth-Reth Harbor Small Cap Growth-Reth	—	—	—	$8.5M	2.6%
MassMutual Mid Cap Growth I MassMutual Mid Cap Growth I	—	—	—	$7.8M	2.4%
American Funds American Funds New World R6	—	—	—	$7.1M	2.2%
Cohen & Steers Cohen & Steers Real Estate - Z	—	—	—	$6.0M	1.8%
Vanguard 500 Index Admiral	—	—	—	$4.2M	1.3%
Participant Loans 9.50%, with maturities through December 2039	—	—	—	$3.1M	0.9%
Vanguard Total Bond Market Index Adm	—	—	—	$3.0M	0.9%
Schwab Cash Account	—	—	—	$2.6M	0.8%
US Government US Treasury Note/Bond	—	—	—	$2.5M	0.7%
Invesco Qqq Trust Series 1	—	—	—	$2.4M	0.7%
Publix Super Markets Inc (delisted 11/Publix Super Markets Inc (delisted 11/12/19)	—	—	—	$2.3M	0.7%
Vanguard Total Stock Market ETF	—	—	—	$1.5M	0.5%
Berkshire Hathaway Inc Cl B Berkshire Hathaway Inc Cl B	—	—	—	$1.4M	0.4%
Apple Inc Apple Inc	—	—	—	$1.3M	0.4%
Government and Agency Obligations US Government US Treasury Bill	—	—	—	$1.2M	0.4%
Vanguard S&P 500 ETF	—	—	—	$1.2M	0.4%
Vanguard High-Yield Corporate Adm	—	—	—	$906K	0.3%
Vanguard Value ETF	—	—	—	$824K	0.3%
Vanguard Total Stock Mkt Idx Adm	—	—	—	$732K	0.2%
Amazon Com Inc Amazon Com Inc	—	—	—	$700K	0.2%
Vanguard Equity-Income Inv	—	—	—	$689K	0.2%
JPMorgan Chase & Co JPMorgan Chase & Co	—	—	—	$662K	0.2%
iShares Bitcoin Trust ETF	—	—	—	$654K	0.2%
Alphabet Inc CL C Alphabet Inc CL C	—	—	—	$637K	0.2%
Microsoft Corporation Microsoft Corporation	—	—	—	$588K	0.2%
Fidelity Investments Fidelity® Puritan®	—	—	—	$580K	0.2%
Vanguard Total Intl Stock Et	—	—	—	$556K	0.2%
Vanguard Small Cap Value ETF	—	—	—	$530K	0.2%
Lrd Abbtt Shrt Dur Hi Yld-I Lrd Abbtt Shrt Dur Hi Yld-I	—	—	—	$508K	0.2%
Nutrien Ltd Nutrien Ltd 761 Nvidia Corp Nvidia Corp	—	—	—	$500K	0.2%
Walmart Inc Walmart Inc	—	—	—	$480K	0.1%
Northrop Grumman Corp Northrop Grumman Corp	—	—	—	$469K	0.1%
Home Depot Incorporated Home Depot Incorporated	—	—	—	$463K	0.1%
BlackRock Strategic Income Opps Instl	—	—	—	$452K	0.1%
Vanguard Intl Dvd Ap Idx-Adv	—	—	—	$430K	0.1%
Dodge & Cox Dodge & Cox Income Cl I	—	—	—	$429K	0.1%
Tesla Inc Tesla Inc	—	—	—	$414K	0.1%
Fidelity Fidelity® Government Cash Reserves	—	—	—	$410K	0.1%
Unitedhealth Group Inc Unitedhealth Group Inc	—	—	—	$409K	0.1%
Fidelity Investments Fidelity Advisor® Total Bond Z	—	—	—	$408K	0.1%
Vanguard Growth ETF	—	—	—	$408K	0.1%
Schwab Funds Schwab® S&P 500 Index	—	—	—	$406K	0.1%
Vanguard Inflation-Protected Secs Inv	—	—	—	$402K	0.1%
Vanguard Mid-Cap ETF	—	—	—	$392K	0.1%
Procter & Gamble Co Procter & Gamble Co	—	—	—	$379K	0.1%
Maxicare Health Plans Inc Maxicare Health Plans Inc 415 Mcdonalds Corp Mcdonalds Corp	—	—	—	$364K	0.1%
Baron Asset Retail	—	—	—	$349K	0.1%
Chubb Ltd Chubb Ltd	—	—	—	$345K	0.1%
iShares 0-3 Month Treasury B	—	—	—	$344K	0.1%
Invesco Nasdaq 100 Etf	—	—	—	$342K	0.1%
Visa Inc Class A Shares Visa Inc Class A Shares	—	—	—	$340K	0.1%
Accenture PLC Accenture PLC	—	—	—	$339K	0.1%
Fidelity Investments Fidelity® Equity Dividend Income	—	—	—	$326K	<0.1%
Johnson & Johnson & Johnson	—	—	—	$324K	<0.1%
Artisan International Value Advisor Artisan International Value Advisor	—	—	—	$317K	<0.1%
Vaneck Semiconductor Etf Vaneck Semiconductor Etf	—	—	—	$308K	<0.1%
First Trust Smid Cap Rising First Trust Smid Cap Rising	—	—	—	$307K	<0.1%
Air Products & Chemicals Inc Air Products & Chemicals Inc	—	—	—	$305K	<0.1%
Lord Abbett Core Plus Bnd-I Lord Abbett Core Plus Bnd-I	—	—	—	$304K	<0.1%
Avantis US Small Cap Value	—	—	—	$302K	<0.1%
Schwab Treasury Obl Money-Va	—	—	—	$297K	<0.1%
Aflac Inc Aflac Inc	—	—	—	$296K	<0.1%
Automatic Data Processing Automatic Data Processing	—	—	—	$295K	<0.1%
JP Morgan JPMorgan Liquid Asset Money Market	—	—	—	$294K	<0.1%
Corteva Inc Corteva Inc 48 Costco Wholesale Corp-New Costco Wholesale Corp-New	—	—	—	$293K	<0.1%
Vanguard Short Term Treasury ETF	—	—	—	$290K	<0.1%
T Rowe Price T. Rowe Price Dividend Growth	—	—	—	$290K	<0.1%
Vanguard Health Care Inv	—	—	—	$289K	<0.1%
Money Market Mutual Funds Blackrock Liq Fds Cash Rv	—	—	—	$288K	<0.1%
Illinois Tool Works Inc. Illinois Tool Works Inc.	—	—	—	$286K	<0.1%
Fidelity Investments Fidelity® Mid-Cap Stock	—	—	—	$285K	<0.1%
Liberty Latin America Ltd CL A Liberty Latin America Ltd CL A 32 Lockheed Martin Corp Lockheed Martin Corp	—	—	—	$277K	<0.1%
PIMCO All Asset Fund-Institutional	—	—	—	$277K	<0.1%
WisdomTree US Efficient Core Fund	—	—	—	$273K	<0.1%
Pedevco Corp Pedevco Corp 884 Pepsico Inc Pepsico Inc	—	—	—	$266K	<0.1%
Vanguard Intermediate Term C	—	—	—	$254K	<0.1%
General Dynamics Corp General Dynamics Corp	—	—	—	$252K	<0.1%
Schwab US Treasury Money Fund Invs	—	—	—	$245K	<0.1%
ProFunds Small Cap Growth Inv	—	—	—	$244K	<0.1%
iShares Semiconductor ETF 865 iShares SILVER TRUST iShares	—	—	—	$244K	<0.1%
JP Morgan JPMorgan US Government MMkt Investor	—	—	—	$240K	<0.1%
Europac Intl Dividend Inc-A Europac Intl Dividend Inc-A 936 * Fidelity Investments Fidelity Advisor® Investment Gr Bd Z	—	—	—	$239K	<0.1%
Fidelity Investments Fidelity® Floating Rate High Income	—	—	—	$232K	<0.1%
Franklin Small Cap Value - Adv Franklin Small Cap Value - Adv	—	—	—	$226K	<0.1%
Merck & Company Inc Merck & Company Inc	—	—	—	$222K	<0.1%
Amgen Inc Amgen Inc	—	—	—	$215K	<0.1%
Comcast Corp Cl A Comcast Corp Cl A	—	—	—	$214K	<0.1%
Invesco Developing Markets Fund Y	—	—	—	$213K	<0.1%
United Parcel Service United Parcel Service	—	—	—	$213K	<0.1%
Schwab Value Advantage Money Fund Inv	—	—	—	$209K	<0.1%
Alphabet Inc CL A Alphabet Inc CL A	—	—	—	$205K	<0.1%
US Government US Treasury Inflation Indexed Note	—	—	—	$205K	<0.1%
Oakmark Intl Sm Cap-Inst Oakmark Intl Sm Cap-Inst	—	—	—	$203K	<0.1%
Lord Abbett Short Duration Income I Lord Abbett Short Duration Income I	—	—	—	$201K	<0.1%
Insurance Policy Lincoln Life Benefit Lincoln Life Annuity Cont#F0007713	—	—	—	$198K	<0.1%
First Trust Institutional Pr First Trust Institutional Pr	—	—	—	$198K	<0.1%
Vanguard High Dividend Yield Index Fund Admiral Shares	—	—	—	$194K	<0.1%
Schwab Funds Schwab US Dvd Equity ETF	—	—	—	$191K	<0.1%
Vanguard Intermediate Term Treasury ETF	—	—	—	$188K	<0.1%
Hershey Co Hershey Co	—	—	—	$187K	<0.1%
Valkyrie Bitcoin and Ether Strategy ETValkyrie Bitcoin and Ether Strategy ETF 132 Vaneck Gold Miners Etf Vaneck Gold Miners Etf	—	—	—	$186K	<0.1%
Vanguard FTSE All WO X US SC	—	—	—	$185K	<0.1%
Vanguard Small- Cap ETF	—	—	—	$176K	<0.1%
Eaton Vance Eaton Vance Atlanta Capital SMID-Cap I	—	—	—	$172K	<0.1%
Wells Fargo Bank Na Wells Fargo Bank Na	—	—	—	$171K	<0.1%
DFA International Value I	—	—	—	$165K	<0.1%
PIMCO Corporate & Income Opportunity Fund 324 PIMCO Income A	—	—	—	$162K	<0.1%
DFA Five-Year Global Fixed-Income I	—	—	—	$160K	<0.1%
Harbor International Institutional Harbor International Institutional	—	—	—	$156K	<0.1%
iShares Morningstar Growth ETF	—	—	—	$153K	<0.1%
Caterpillar Inc Caterpillar Inc	—	—	—	$153K	<0.1%
DFA Two-Year Global Fixed-Income I	—	—	—	$150K	<0.1%
DFA US Large Cap Value I	—	—	—	$150K	<0.1%
SPDR Portfolio Aggregate Bond ETF	—	—	—	$147K	<0.1%
SEI Investments City National Rochdale Government Money Market	—	—	—	$144K	<0.1%
Verizon Communications Verizon Communications	—	—	—	$143K	<0.1%
Franklin Mutual Shares Z Franklin Mutual Shares Z	—	—	—	$142K	<0.1%
AT&T Inc AT&T Inc	—	—	—	$140K	<0.1%
Paypal Holdings Inc Paypal Holdings Inc	—	—	—	$138K	<0.1%
American Funds American Funds Europacific Growth F3	—	—	—	$135K	<0.1%
SPDR Portfolio S&P 1500 Composite Stock Market ETF	—	—	—	$132K	<0.1%
Silvercorp Metals Inc Silvercorp Metals Inc 843 Simon Ppty Group Inc Simon Ppty Group Inc	—	—	—	$127K	<0.1%
T Rowe Price T. Rowe Price Capital Appreciation I	—	—	—	$127K	<0.1%
iShares Trust iShares 1-5 year Investment Grade Corp Bond ETF	—	—	—	$126K	<0.1%
Vaneck Morningstar Wide Moat Vaneck Morningstar Wide Moat	—	—	—	$126K	<0.1%
Pacer Us Cash Cows 100 Etf Pacer Us Cash Cows 100 Etf	—	—	—	$122K	<0.1%
First Trust TCW Opp Fixed In First Trust TCW Opp Fixed In	—	—	—	$120K	<0.1%
Celestica Inc Celestica Inc 277 Charlottes Web Holdings Inc Charlottes Web Holdings Inc 465 Chevron Corp Chevron Corp	—	—	—	$120K	<0.1%
AMG Yacktman I AMG Yacktman I	—	—	—	$116K	<0.1%
Cohen & Steers Cohen & Steers Real Estate Securities I	—	—	—	$114K	<0.1%
iShares Core Dividend Growth	—	—	—	$112K	<0.1%
First Trust Exchange Traded Fund VI First Trust Exchange Traded Fund VI RIsing Div Achievers ETF	—	—	—	$110K	<0.1%
Vanguard Small -Cap Gr ETF	—	—	—	$109K	<0.1%
Schwab Funds Schwab Fundamental International Equity ETF	—	—	—	$103K	<0.1%
DFA Inflation-Protected Securities I	—	—	—	$103K	<0.1%
Vanguard Short-Term Tips	—	—	—	$103K	<0.1%
Certificates of Deposit Bank Of America Na Bank Of America Na	—	—	—	$95K	<0.1%
Booking Holdings Inc Booking Holdings Inc	—	—	—	$94K	<0.1%
Technology Select Sector Spdr Technology Select Sector Spdr	—	—	—	$94K	<0.1%
PIMCO Income I2	—	—	—	$90K	<0.1%
FMI Common Stock Fund-Inst FMI Common Stock Fund-Inst	—	—	—	$89K	<0.1%
Vanguard S/T Corp Bond Etf	—	—	—	$88K	<0.1%
Schwab Funds Schwab 1000 Inv	—	—	—	$88K	<0.1%
DFA US Small Cap Value I	—	—	—	$86K	<0.1%
Broadcom Ltd Broadcom Ltd	—	—	—	$86K	<0.1%
BondBloxx BBG 1 Dur US Treas	—	—	—	$86K	<0.1%
Daqo New Energy Corp ADR Daqo New Energy Corp ADR 525 Deere & Co. Deere & Co.	—	—	—	$86K	<0.1%
Intl Business Machines Inc Intl Business Machines Inc	—	—	—	$86K	<0.1%
Grayscale Ethereum Trust ETF Grayscale Ethereum Trust ETF	—	—	—	$81K	<0.1%
Vanguard High Dividend Yield	—	—	—	$81K	<0.1%
and Exchange Traded Funds abrdn Life Sciences Investors abrdn Life Sciences Investors	Mutual Funds	—	—	$80K	<0.1%
Microsectors Fang+ Etns Microsectors Fang+ Etns	—	—	—	$80K	<0.1%
Schwab Funds Schwab Total Stock Market Index	—	—	—	$78K	<0.1%
iShares MSCI EAFE Value ETF	—	—	—	$78K	<0.1%
Lowes Co Inc Lowes Co Inc	—	—	—	$76K	<0.1%
Vanguard Index Tr Ext Market ETF	—	—	—	$76K	<0.1%
Ark Innovation ETF Ark Innovation ETF	—	—	—	$74K	<0.1%
Invesco S&P 500 Equal Weight	—	—	—	$74K	<0.1%
Royce Small-Cap Special Equity Fund-In	—	—	—	$72K	<0.1%
Coca Cola Consolidated Inc Coca Cola Consolidated Inc	—	—	—	$72K	<0.1%
Invesco Ftse Rafi Us 1000 Et	—	—	—	$72K	<0.1%
Pacer US Small Cap Cash Cows ETF Pacer US Small Cap Cash Cows ETF	—	—	—	$71K	<0.1%
T Rowe Price T. Rowe Price Capital Appreciation	—	—	—	$69K	<0.1%
BlackRock Dyn Hi Inc Port-I	—	—	—	$67K	<0.1%
First Eagle Global I First Eagle Global I	—	—	—	$67K	<0.1%
TCW Emerging Markets Income I TCW Emerging Markets Income I	—	—	—	$66K	<0.1%
First Trust Exchange-Traded First Trust Exchange-Traded	—	—	—	$65K	<0.1%
Diamond Hill Diamond Hill Short Duration Securitized Bond Fund I	—	—	—	$65K	<0.1%
Vanguard Dividend Apprec ETF	—	—	—	$64K	<0.1%
iShares Preferred & Income Securities ETF	—	—	—	$64K	<0.1%
iShares MSCI USA Min Vol Fac	—	—	—	$64K	<0.1%
Invesco S&P Mid Cap 400 Rev	—	—	—	$64K	<0.1%
SPDR Portfolio S&P 500 ETF 758 SPDR Portfolio S&P 500 Value ETF	—	—	—	$64K	<0.1%
Loomis Sayles Strategic Income Y Loomis Sayles Strategic Income Y	—	—	—	$64K	<0.1%
SPDR S&P 500 ETF Trust	—	—	—	$63K	<0.1%
SPDR Portfolio Long Term Treasury ETF	—	—	—	$63K	<0.1%
Calamos Market Neutral Income I	—	—	—	$63K	<0.1%
Vanguard Real Estate Index Admiral	—	—	—	$62K	<0.1%
Mfs Mid Cap Growth Fund-I Mfs Mid Cap Growth Fund-I	—	—	—	$62K	<0.1%
Target Corp Target Corp	—	—	—	$61K	<0.1%
Disney Walt Co Disney Walt Co	—	—	—	$60K	<0.1%
Vanguard S&P 500 Growth Etf	—	—	—	$60K	<0.1%
Exxon-Mobil Corporation Exxon-Mobil Corporation	—	—	—	$60K	<0.1%
Touchstone Mid Cap Institutional	—	—	—	$60K	<0.1%
Citigroup Inc Citigroup Inc	—	—	—	$59K	<0.1%
iShares MSCI USA Quality Fac	—	—	—	$59K	<0.1%
Vanguard FTSE Developed Markets ETF	—	—	—	$59K	<0.1%
Fedex Corp Fedex Corp	—	—	—	$57K	<0.1%
Davis Global Y Davis Global Y	—	—	—	$57K	<0.1%
Vanguard FTSE Emerging Market	—	—	—	$56K	<0.1%
iShares Core MSCI EAFE ETF	—	—	—	$56K	<0.1%

Showing top 200 of 549 investments by value.