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Original filing (PDF)20250731052806NAL0004862849001
BAKERY EXPRESS OF CENTRAL FLORID
Form 5500
FILING_RECEIVED
BECF 401(K) PLAN
401(k) retirement plan
Signals · 1
~94 bps in Sched C fees
Active participants
241
Accounts w/ balance
234
Plan assets (EOY)
$5.0M
Net assets (EOY)
$5.0M
How this plan invests
This plan
1 pooled trust
Schedule D
33 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
- 94 bps in Schedule C fees — 80% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BAKERY EXPRESS OF CENTRAL FLORID.
Plan sponsor
Name
BAKERY EXPRESS OF CENTRAL FLORID
EIN
59-3369097
Address
1630 PRIME CT STE 200 · ORLANDO, FL · 32809
Phone
(407) 826-5711
Industry
Manufacturingsee 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
2025-07-31
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)
Audit & trust (Schedule H)
Auditor
SC&H ATTEST SERVICES P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $34K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | INVESTMENT ADVISOR | $13K | — |
Investments
33 direct securities · 1 pooled fund· $4.9M(98% 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.
Registered Investment Companies
$4.9M
33 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD FEDERAL MM INV | Registered Investment Companies | — | — | $706K | 14.2% | |
| ISHARES S&P 500 INDEX K | Registered Investment Companies | — | — | $450K | 9.1% | |
| AMER BEACON SMCP VAL R5 | Registered Investment Companies | — | — | $340K | 6.8% | |
| ALLSPRING SPECIAL MC VAL R6 | Registered Investment Companies | — | — | $321K | 6.5% | |
| CLEARBRIDGE LARGE CAP GR IS | Registered Investment Companies | — | — | $298K | 6.0% | |
| INVESCO DIVERSIFIED DIV R6 | Registered Investment Companies | — | — | $284K | 5.7% | |
| NUVEEN LC INDEX 2040 R6 | Registered Investment Companies | — | — | $237K | 4.8% | |
| AMERFUNDS AMER BALANCED - R6 | Registered Investment Companies | — | — | $224K | 4.5% | |
| NUVEEN LC INDEX 2045 R6 | Registered Investment Companies | — | — | $222K | 4.5% | |
| NUVEEN LC INDEX 2035 R6 | Registered Investment Companies | — | — | $220K | 4.4% | |
| AMER FUNDS NEW PERSP R6 | Registered Investment Companies | — | — | $206K | 4.2% | |
| NUVEEN LC INDEX 2055 R6 | Registered Investment Companies | — | — | $202K | 4.1% | |
| NUVEEN LC INDEX 2025 R6 | Registered Investment Companies | — | — | $174K | 3.5% | |
| NUVEEN LC INDEX 2050 R6 | Registered Investment Companies | — | — | $151K | 3.0% | |
| NUVEEN LC INDEX 2030 R6 | Registered Investment Companies | — | — | $147K | 3.0% | |
| ISHARES RUSSELL MIDCAP INDEX K | Registered Investment Companies | — | — | $133K | 2.7% | |
| VAN STRATEGIC EQUITY - INV | Registered Investment Companies | — | — | $108K | 2.2% | |
| AMERICAN FUNDS NEW WORLD R6 | Registered Investment Companies | — | — | $79K | 1.6% | |
| VANG TOT STK MKT IDX - ADMIRAL | Registered Investment Companies | — | — | $77K | 1.6% | |
| JANUS HENDERSON TRITON FUND N | Registered Investment Companies | — | — | $62K | 1.2% | |
| VANGUARD US GROWTH FUND ADM | Registered Investment Companies | — | — | $48K | 1.0% | |
| ISHARES US AGGREGATE BD IDX K | Registered Investment Companies | — | — | $35K | 0.7% | |
| NUVEEN LC INDEX 2020 R6 | Registered Investment Companies | — | — | $27K | 0.5% | |
| NUV LIFECYCLE IDX RET INC R6 | Registered Investment Companies | — | — | $21K | 0.4% | |
| ISHARES RUSSELL 2000 SM CAP K | Registered Investment Companies | — | — | $16K | 0.3% | |
| PGIM HIGH YIELD FUND R6 | Registered Investment Companies | — | — | $13K | 0.3% | |
| VANGUARD INTL GRTH ADM | Registered Investment Companies | — | — | $13K | 0.3% | |
| VANGUARD WELLESLEY INCOME-ADMR | Registered Investment Companies | — | — | $13K | 0.3% | |
| THE HARTFORD MIDCAP FUND - R6 | Registered Investment Companies | — | — | $13K | 0.3% | |
| AMERICAN FUNDS CAP INC BLDR R6 | Registered Investment Companies | — | — | $10K | 0.2% | |
| COLUMBIA US TREASURY IDX I2 | Registered Investment Companies | — | — | $8K | 0.2% | |
| ISHARES MSCI EAFE INTL INDEX K | Registered Investment Companies | — | — | $7K | 0.1% | |
| VAN DIV APPREC IDX - ADMIRAL | Registered Investment Companies | — | — | $1K | <0.1% | |
| INV STABLE VALUE RETIRE FD 1 INVESCO TRUST COMPANY · EIN 27-3868124 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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