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Original filing (PDF)20251015170111NAL0002672771001
MIAMI AUTOMOTIVE RETAIL, INC.
Form 5500
FILING_RECEIVED
MURGADO AUTOMOTIVE GROUP 401(K) PLAN
401(k) retirement plan
Active participants
959
Accounts w/ balance
523
Plan assets (EOY)
$36.5M
Net assets (EOY)
$36.4M
How this plan invests
This plan
1 pooled trust
Schedule D
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
100
Vendor stack
100
Participation health
80
Knocking points off
- 55% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (5 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MIAMI AUTOMOTIVE RETAIL, INC..
Plan sponsor
Name
MIAMI AUTOMOTIVE RETAIL, INC.
EIN
65-1069312
Address
665 SW 8TH ST · MIAMI, FL · 33130
Phone
(302) 777-2957
Industry
Retail Tradesee 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
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PAAST, P.L.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | — | COLUMBUS, OH | RECORDKEEPER | $1K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS, LLC | — | SAN RAFAEL, CA | ADVISORY FIRM | $15K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MY BENEFITS, LLC | — | ATLANTA, GA | PPA/TPA | $530 | — |
Investments
38 direct securities · 1 pooled fund· $36.5M(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.
Uncategorized
$36.5M
38 holdings
Pooled Separate Account
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Amer Fnds 2030 Target Date R6 Pooled Separate Accounts | — | — | — | $3.3M | 9.0% | |
| Amer Fnds 2045 Target Date R6 Pooled Separate Accounts | — | — | — | $3.2M | 8.7% | |
| Amer Fnds 2050 Target Date R6 Pooled Separate Accounts | — | — | — | $3.1M | 8.5% | |
| Amer Fnds 2040 Target Date R6 Pooled Separate Accounts | — | — | — | $2.9M | 8.0% | |
| Amer Fnds 2035 Target Date R6 Pooled Separate Accounts | — | — | — | $2.8M | 7.7% | |
| Amer Fnds 2020 Target Date R6 Pooled Separate Accounts | — | — | — | $2.7M | 7.4% | |
| Dodge & Cox Global Bond Fund X Pooled Separate Accounts 153 Fidelity 500 Index Fund Pooled Separate Accounts | — | — | — | $2.6M | 7.2% | |
| Voya Stable Value Fund | — | — | — | $2.0M | 5.4% | |
| Amer Fnds American Balance R6 Pooled Separate Accounts | — | — | — | $1.9M | 5.2% | |
| JPMorgan Grw Advantage Fnd R6 Pooled Separate Accounts | — | — | — | $1.5M | 4.1% | |
| Amer Fnds 2055 Target Date R6 Pooled Separate Accounts | — | — | — | $1.5M | 4.0% | |
| Amer Fnds 2060 Target Date R6 Pooled Separate Accounts | — | — | — | $1.4M | 4.0% | |
| Amer Fnds 2025 Target Date R6 Pooled Separate Accounts | — | — | — | $1.1M | 2.9% | |
| JPMorgan U.S. Res Enhanc Eq R6 Pooled Separate Accounts | — | — | — | $797K | 2.2% | |
| maturing through 2029 - | — | — | — | $715K | 2.0% | |
| Amer Fnds New Perspective R6 Pooled Separate Accounts | — | — | — | $579K | 1.6% | |
| Amer Fnds 2065 Target Date R6 Pooled Separate Accounts | — | — | — | $561K | 1.5% | |
| TRwPr Divers MCap Grw Fd I Pooled Separate Accounts | — | — | — | $503K | 1.4% | |
| Vangrd Strategic Eqty Fnd Inv Pooled Separate Accounts | — | — | — | $462K | 1.3% | |
| Nuveen LgCp Grw Indx Fd R6 Pooled Separate Accounts | — | — | — | $435K | 1.2% | |
| Schwab Fndm U.S. Lg Cmp Ind Fd Pooled Separate Accounts | — | — | — | $330K | 0.9% | |
| Fidelity Adv SmCp Grw Fnd Z Pooled Separate Accounts | — | — | — | $298K | 0.8% | |
| Voya Gv Mny Mkt F A (Hld Acct) Pooled Separate Accounts | — | — | — | $252K | 0.7% | |
| Vangrd Info Tech Indx Fd Adm Pooled Separate Accounts | — | — | — | $248K | 0.7% | |
| Vangrd Sm-Cap Vl Index Fnd Adm Pooled Separate Accounts | — | — | — | $226K | 0.6% | |
| BlkRck High Yield Port K Pooled Separate Accounts | — | — | — | $220K | 0.6% | |
| Nationwide Inv Dst MdCn Fd R6 Pooled Separate Accounts | — | — | — | $159K | 0.4% | |
| MFS Mid Cap Value Fund R6 Pooled Separate Accounts | — | — | — | $116K | 0.3% | |
| FullThlr Bhvrl Sm Cp Eq Fd R6 Pooled Separate Accounts | — | — | — | $97K | 0.3% | |
| PARTY IN IDENTITY OF ISSUE, BORROWER, COLLATERAL, PAR OR MATURITY (**) CURRENT INTEREST LESSOR, OR SIMILAR PARTY VALUE COST VALUE Amer Cent Global Sm Cp Fd R6 Pooled Separate Accounts | — | — | — | $85K | 0.2% | |
| MFS Corporate Bond Fund R6 Pooled Separate Accounts | — | — | — | $70K | 0.2% | |
| Fidelity Invmt Grade Bond Fd Z Pooled Separate Accounts | — | — | — | $63K | 0.2% | |
| Vangrd Em Mkts Stk Ind Fd Adm Pooled Separate Accounts | — | — | — | $55K | 0.2% | |
| Amer Fnds 2010 Target Date R6 Pooled Separate Accounts 332 Amer Fnds 2015 Target Date R6 Pooled Separate Accounts | — | — | — | $50K | 0.1% | |
| Principal Intl Eq Indx Fd R6 Pooled Separate Accounts | — | — | — | $48K | 0.1% | |
| First Eagle Global Fund R6 Pooled Separate Accounts | — | — | — | $39K | 0.1% | |
| DFA Real Estate Secs Port Ins Pooled Separate Accounts | — | — | — | $25K | <0.1% | |
| Amer Fnds 2070 Target Date R6 Pooled Separate Accounts | — | — | — | $8K | <0.1% | |
| AMFDS NATIONWIDE · EIN 11-0000011 / PN 000 | Pooled Separate Account | — | — | $0 | <0.1% |