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Original filing (PDF)20251015163908NAL0005443281001
FORMULATED SOLUTIONS, LLC
Form 5500
FILING_RECEIVED
FORMULATED SOLUTIONS 401(K) PLAN
401(k) retirement plan
Active participants
553
Accounts w/ balance
504
Plan assets (EOY)
$14.3M
Net assets (EOY)
$14.2M
How this plan invests
This plan
1 pooled trust
Schedule D
29 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
- 45 bps in Schedule C fees — 54% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FORMULATED SOLUTIONS, LLC.
Plan sponsor
Name
FORMULATED SOLUTIONS, LLC
EIN
59-3679835
Address
11775 STARKEY ROAD · LARGO, FL · 33773
Phone
(727) 373-3972
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
2025-10-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO OF AME | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $6K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EDWARD JONES & CO LP | — | ST LOUIS, MO | INVESTMENT ADVISOR | $41K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SIGNATURE BENEFIT SOLUTIONS, INC. | — | TAMPA, FL | CONTRACT ADMIN | $16K | — |
Investments
29 direct securities · 1 pooled fund· $27.5M(100% 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.
Pooled Separate Account
$13.3M
1 holding
Uncategorized
$12.7M
28 holdings
Pooled Separate Accounts
$1.6M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT SCAI MASS MUTUAL LIFE INSURANCE CO · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $13.3M | 93.1% | |
| s * Empower American Funds 2025 Trgt Date Retire R6 | Pooled Separate Accounts | — | — | $1.6M | 11.0% | |
| Empower American Funds 2030 Trgt Date Retire R6 | — | — | — | $1.5M | 10.5% | |
| Empower American Funds 2045 Trgt Date Retire R6 | — | — | — | $1.2M | 8.5% | |
| Empower American Funds 2040 Trgt Date Retire R6 | — | — | — | $1.1M | 7.7% | |
| Empower American Funds 2055 Trgt Date Retire R6 | — | — | — | $1.0M | 7.0% | |
| Empower American Funds 2035 Trgt Date Retire R6 | — | — | — | $891K | 6.2% | |
| Empower Vanguard 500 Index Admiral | — | — | — | $835K | 5.9% | |
| Empower MassMutual Blue Chip Growth I | — | — | — | $752K | 5.3% | |
| Empower American Funds Washington Mutual R6 | — | — | — | $663K | 4.6% | |
| Interest Account * MassMutual General Account - | — | — | — | $501K | 3.5% | |
| Participants Loans Interest rate 4.25% - 9.50% - | — | — | — | $487K | 3.4% | |
| Empower American Funds 2060 Trgt Date Retire R6 | — | — | — | $476K | 3.3% | |
| Empower American Funds 2050 Trgt Date Retire R6 | — | — | — | $468K | 3.3% | |
| Empower Vanguard Small Cap Index Adm | — | — | — | $339K | 2.4% | |
| Empower American Funds American Balanced R6 | — | — | — | $250K | 1.8% | |
| Empower MassMutual Mid Cap Growth I | — | — | — | $246K | 1.7% | |
| Empower American Funds New World R6 | — | — | — | $223K | 1.6% | |
| Empower Allspring Special Mid Cap Value R6 | — | — | — | $221K | 1.6% | |
| Empower PIMCO Income Instl | — | — | — | $206K | 1.4% | |
| Empower Invesco International Diversified R6 | — | — | — | $199K | 1.4% | |
| Empower MassMutual High Yield I | — | — | — | $198K | 1.4% | |
| Empower Vanguard Total Intl Stock Index Admiral | — | — | — | $181K | 1.3% | |
| Empower Vanguard Total Bond Market Index Adm | — | — | — | $177K | 1.2% | |
| Empower Fidelity Advisor Total Bond Z | — | — | — | $168K | 1.2% | |
| Empower American Funds Capital World Gr&Inc R6 | — | — | — | $117K | 0.8% | |
| Empower Vanguard Mid Cap Index Admiral | — | — | — | $92K | 0.6% | |
| Empower Invesco Small Cap Growth R6 | — | — | — | $87K | 0.6% | |
| Empower Allspring Special Small Cap Value R6 | — | — | — | $87K | 0.6% | |
| Empower American Funds 2020 Trgt Date Retire R6 | — | — | — | $11K | <0.1% |
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