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Original filing (PDF)20251014152454NAL0001579395001
PLAN COMPLIANCE SERVICES, INC.
Form 5500
FILING_RECEIVED
QBOX POOLED EMPLOYER PLAN
401(k) retirement plan
Signals · 2
No auditor on file~106 bps in Sched C fees
Active participants
313
Accounts w/ balance
265
Plan assets (EOY)
$11.0M
Net assets (EOY)
$11.0M
How this plan invests
This plan
33 pooled trusts
Schedule D
35 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
79
/ 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
60
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- No independent qualified public accountant (IQPA) named.
- 106 bps in Schedule C fees — 266% above peer band of 29 bps.
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) 774-3366
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
013
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
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
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, FL | RECORDKEEPER | $22K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| QBOX FIDUCIARY SOLUTIONS LLC | — | FORT WAYNE, CO | INVESTMENT ADVISOR,OTHER | $39K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, FL | INVESTMENT MANAGEMENT | $12K | — |
| FIRST ADVISORS NATIONAL LLC | — | GREENWOOD VILLAGE, FL | INVESTMENT ADVISOR | $6K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AMERICAN PENSION SERVICES, LLC | — | CLEARWATER, IN | CONTRACT ADMIN | $38K | — |
Investments
2 direct securities · 33 pooled funds· $11.0M(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.
Common Collective Trust
$10.8M
33 holdings
Uncategorized
$139K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY 500 INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $1.8M | 16.4% | |
| AMERICAN CENTURY RD HYBRID 2045 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $835K | 7.6% | |
| AMERICAN CENTURY RD HYBRID 2040 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $610K | 5.6% | |
| JANUS HENDERSON GLOBAL TECH INNOVAT BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $590K | 5.4% | |
| AMERICAN CENTURY RD HYBRID 2050 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $580K | 5.3% | |
| FIDELITY US BOND INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $573K | 5.2% | |
| AMERICAN CENTURY RD HYBRID 2060 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $539K | 4.9% | |
| EI FIXED ACCOUNT - SERIES CLASS I BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $495K | 4.5% | |
| FIDELITY TOTAL INTERNATIONAL INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $491K | 4.5% | |
| FIDELITY MID CAP INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $394K | 3.6% | |
| AMERICAN FUNDS NEW PERSPECTIVE R6 BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $378K | 3.4% | |
| FIDELITY SMALL CAP INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $366K | 3.3% | |
| AMERICAN CENTURY RD HYBRID 2055 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $344K | 3.1% | |
| AMERICAN CENTURY RD HYBRID 2030 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $328K | 3.0% | |
| AMERICAN CENTURY RD HYBRID IN RET C BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $311K | 2.8% | |
| T. ROWE PRICE HEALTH SCIENCES I BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $295K | 2.7% | |
| FRANKLIN RISING DIVIDENDS R6 BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $257K | 2.3% | |
| BLACKROCK SUSTAINABLE BALANCED K BLACKROCK SUSTAINABLE BALANCED K · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $252K | 2.3% | |
| FIDELITY INFLATION PROTECTED BOND I BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $213K | 1.9% | |
| FIDELITY LARGE CAP GROWTH INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $147K | 1.3% | |
| FIDELITY LONG TERM TREASURY BOND IN BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $132K | 1.2% | |
| FIDELITY MID CAP GROWTH INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $125K | 1.1% | |
| FIDELITY LARGE CAP VALUE INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $122K | 1.1% | |
| FIDELITY SMALL CAP VALUE INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $118K | 1.1% | |
| INVESCO GOLD & SPECIAL MINERALS R6 BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $98K | 0.9% | |
| FIDELITY EMERGING MARKETS INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $97K | 0.9% | |
| AMERICAN CENTURY RD HYBRID 2065 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $85K | 0.8% | |
| AMERICAN FUNDS CAPITAL WORLD BONDR6 BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $79K | 0.7% | |
| PARTICIPANT LOANS Various Interest Rates 4.50% to 9.50% | — | — | — | $72K | 0.7% | |
| FORFEITURES | — | — | — | $67K | 0.6% | |
| FIDELITY MID CAP VALUE INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $66K | 0.6% | |
| FIDELITY SMALL CAP GROWTH INDEX BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $40K | 0.4% | |
| DFA U.S. SUSTAINABILITY CORE 1 BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $39K | 0.4% | |
| AMERICAN CENTURY RD HYBRID 2035 CL BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $29K | 0.3% | |
| INVESCO FLOATING RATE ESG R6 BENEFIT PLANS ADMIN SERVICES COLLECTIVE TRUSTS · EIN 83-6699605 / PN 001 | Common Collective Trust | — | — | $5K | <0.1% |