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Original filing (PDF)20251013084507NAL0002200482002
WESTMINSTER SERVICES, INC.
Form 5500
FILING_RECEIVED
WESTMINSTER SERVICES, INC. RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,554
Accounts w/ balance
1,648
Plan assets (EOY)
$12.5M
Net assets (EOY)
$12.5M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 74 bps in Schedule C fees — 155% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WESTMINSTER SERVICES, INC..
Plan sponsor
Name
WESTMINSTER SERVICES, INC.
EIN
59-0931267
Address
80 W. LUCERNE CIRCLE · ORLANDO, FL · 328013779
Phone
(407) 839-0707
Industry
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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HOSKINS QUIROS PATEL & LOID CPA LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $92K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
29 direct securities· $12.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Funds, Inc. Prin Lifetime Hybrid 2025 R6 | — | — | — | $3.1M | 24.6% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2030 R6 | — | — | — | $2.4M | 18.9% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2035 R6 | — | — | — | $1.8M | 14.7% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2020 R6 | — | — | — | $974K | 7.8% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2040 R6 | — | — | — | $918K | 7.3% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2045 R6 | — | — | — | $592K | 4.7% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2050 R6 | — | — | — | $491K | 3.9% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2015 R6 | — | — | — | $434K | 3.5% | |
| Vanguard Group Vanguard 500 Index Admiral Fund | — | — | — | $311K | 2.5% | |
| Principal Funds, Inc. Prin Lifetime Hybrid Inc R6 | — | — | — | $281K | 2.2% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2055 R6 | — | — | — | $260K | 2.1% | |
| Participant Loans Rates range from 3.00% to 3.00% | — | — | — | $242K | 1.9% | |
| Principal Funds, Inc. Principal Blue Chip R6 Fund | — | — | — | $165K | 1.3% | |
| Vanguard Group Vanguard Equity Inc Adm Fund | — | — | — | $130K | 1.0% | |
| Principal Life Insurance Company Principal Guaranteed Option | — | — | — | $111K | 0.9% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2060 R6 | — | — | — | $83K | 0.7% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2065 R6 | — | — | — | $47K | 0.4% | |
| Vanguard Group Vanguard Mid Cap Index Adm Fund | — | — | — | $31K | 0.3% | |
| The American Funds American Funds US Govt Sec R6 Fund | — | — | — | $31K | 0.2% | |
| Dodge and Cox Funds Dodge & Cox Income I Fund | — | — | — | $27K | 0.2% | |
| Vanguard Group Vanguard Sm Cap Index Adm Fund | — | — | — | $23K | 0.2% | |
| MFS Investment Management MFS Mid Cap Value R6 Fund | — | — | — | $21K | 0.2% | |
| Vanguard Group Vanguard Midcap Growth Index Adm Fund | — | — | — | $17K | 0.1% | |
| Vanguard Group Vanguard Dev Mkts Index Adm Fund | — | — | — | $10K | <0.1% | |
| Dimensional Fund Advisors DFA US Targeted Value I Fund | — | — | — | $6K | <0.1% | |
| Principal Funds, Inc. Prin Re Secs R6 Fund | — | — | — | $4K | <0.1% | |
| Principal Funds, Inc. Princ Smallcap Growth I R6 Fund | — | — | — | $3K | <0.1% | |
| Invesco Funds Group, Inc. Inv EQV Emerging Mkts All Cap R6 Fund | — | — | — | $2K | <0.1% | |
| Principal Funds, Inc. Prin Lifetime Hybrid 2070 R6 | — | — | — | $1K | <0.1% |
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