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Original filing (PDF)20251015143408NAL0002575427001
PLAN COMPLIANCE SERVICES, INC.
Form 5500
FILING_RECEIVED
ENVISION RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
~243 bps in Sched C fees
Active participants
301
Accounts w/ balance
152
Plan assets (EOY)
$3.9M
Net assets (EOY)
$3.9M
How this plan invests
This plan
25 collective trusts
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
100
Participation health
80
Knocking points off
- 243 bps in Schedule C fees — 368% above peer band of 52 bps.
- 50% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PLAN COMPLIANCE SERVICES, INC..
Plan sponsor
Name
PLAN COMPLIANCE SERVICES, INC.
EIN
59-3708427
Address
2454 N. MCMULLEN BOOTH ROAD, · ST 431 · CLEARWATER, FL · 33759
Phone
(813) 281-0707
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
005
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
2T · Default investment account (QDIA)
2W · Pooled employer plan (PEP)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SMITH & HOWARD, PC
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 | $73K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SOUDERS FINANCIAL ADVISORS LLC | — | CINCINNATI, OH | OTHER INVESTMENT ADVISOR | $15K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN PENSION SERVICES, LLC | — | CLEARWATER, FL | CONTRACT ADMIN | $7K | — |
Investments
25 pooled funds· $3.8M(96% 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.
Pooled Separate Account
$3.6M
22 holdings
Common Collective Trust
$202K
3 holdings
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| FIDELITY 500 INDEX EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $683K | 17.5% |
| BLACKROCK LIFEPATH INDEX 2045 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $524K | 13.4% |
| BLACKROCK LIFEPATH INDEX 2050 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $420K | 10.7% |
| BLACKROCK LIFEPATH INDEX 2035 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $272K | 6.9% |
| BLACKROCK LIFEPATH INDEX 2030 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $256K | 6.6% |
| BLACKROCK LIFEPATH INDEX 2055 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $241K | 6.2% |
| BLACKROCK LIFEPATH INDEX 2040 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $169K | 4.3% |
| BLACKROCK LIFEPATH INDEX RETIREMENT EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $129K | 3.3% |
| BLACKROCK LIFEPATH INDEX 2060 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $127K | 3.3% |
| AMERICAN FUNDS NEW PERSPECTIVE R6 EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $126K | 3.2% |
| INTERNATIONAL GROWTH FUND II FEE R1 WILMINGTON TRUST · EIN 38-4139842 / PN 619 | Common Collective Trust | $108K | 2.8% |
| DFA REAL ESTATE SECURITIES I EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $101K | 2.6% |
| JPMORGAN LARGE CAP GROWTH R6 EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $98K | 2.5% |
| FIDELITY SMALL CAP INDEX EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $87K | 2.2% |
| ISHARES MSCI EAFE INTERNATIONAL IND EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $85K | 2.2% |
| VANGUARD EQUITY-INCOME ADM EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $69K | 1.8% |
| FIDELITY MID CAP INDEX EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $57K | 1.5% |
| MORLEY STABLE VALUE FUND MORLEY STABLE VALUE FUND · EIN 93-6274329 / PN 001 | Common Collective Trust | $55K | 1.4% |
| BLACKROCK LIFEPATH INDEX 2065 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $44K | 1.1% |
| CORE BOND FUND CLASS R1 GREAT GRAY · EIN 82-1986152 / PN 325 | Common Collective Trust | $39K | 1.0% |
| STATE STREET AGGREGATE BOND INDEX K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $38K | 1.0% |
| JPMORGAN SMALL CAP GROWTH R6 EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $26K | 0.7% |
| PGIM HIGH-YIELD R6 EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $6K | 0.2% |
| ALLSPRING SPECIAL SMALL CAP VALUE R EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $5K | 0.1% |
| BLACKROCK LIFEPATH INDEX 2025 K EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 04-1590850 / PN 001 | Pooled Separate Account | $0 | <0.1% |
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