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Original filing (PDF)20251015130415NAL0002335395001
GONZALEZ TRADING, LLC
Form 5500
FILING_RECEIVED
GONZALEZ TRADING RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 1
6 service providers
Active participants
165
Accounts w/ balance
159
Plan assets (EOY)
$1.6M
Net assets (EOY)
$1.6M
How this plan invests
This plan
4 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 72 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GONZALEZ TRADING, LLC.
Plan sponsor
Name
GONZALEZ TRADING, LLC
EIN
66-0255916
Address
PO BOX 364884 · SAN JUAN, PR · 00936
Phone
(787) 783-9380
Industry
Real Estatesee 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
2T · Default investment account (QDIA)
3C · Not intended to be qualified
Audit & trust (Schedule H)
Auditor
GALINDEZ LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $0 | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC | — | EL SEGUNDO, CA | INVESTMENT ADVISOR | $6K | — |
| CETERA INVESTMENT ADVISORS | — | EL SEGUNDO, CA | INVESTMENT ADVISOR | $2K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| A & A EMPLOYEE BENEFITS CONSULTING | — | SAN JUAN, PR | CONTRACT ADMIN | $635 | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $3K | — |
| ENVESTNET RETIREMENT SOLUTIONS LLC | — | DENVER, CO | OTHER | $581 | — |
Investments
25 direct securities · 4 pooled funds· $1.6M(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.
Mutual Funds
$1.3M
20 holdings
Uncategorized
$228K
5 holdings
Common Collective Trust
$76K
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index | Mutual Funds | — | — | $228K | 14.1% | |
| Fidelity Total International Index | Mutual Funds | — | — | $207K | 12.8% | |
| EI Fixed Account-Series Class I | — | — | — | $205K | 12.7% | |
| BlackRock Lifepath Index 2045 | Mutual Funds | — | — | $121K | 7.5% | |
| BlackRock Lifepath Index 2040 | Mutual Funds | — | — | $111K | 6.9% | |
| BlackRock Lifepath Index 2055 | Mutual Funds | — | — | $107K | 6.6% | |
| American Funds Inflation Linked | Mutual Funds | — | — | $90K | 5.6% | |
| BlackRock Lifepath Index 2050 | Mutual Funds | — | — | $82K | 5.1% | |
| State Street Aggregate Bond Index K | Mutual Funds | — | — | $81K | 5.0% | |
| Fidelity Mid Cap Index | Mutual Funds | — | — | $66K | 4.1% | |
| Fidelity Large Cap Growth Index | Mutual Funds | — | — | $38K | 2.4% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GREY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $35K | 2.2% | |
| Fidelity Adv Interantional Growth | Mutual Funds | — | — | $30K | 1.9% | |
| BLACK ROCK RUSSELL 2000 VAL INDX FE GREAT GREY · EIN 20-3802296 / PN 005 | Common Collective Trust | — | — | $25K | 1.6% | |
| Fidelity Small Cap Index | Mutual Funds | — | — | $23K | 1.5% | |
| PGIM Global Total Return | Mutual Funds | — | — | $21K | 1.3% | |
| Franklin Real Estate Securities R6 | Mutual Funds | — | — | $17K | 1.1% | |
| BLACK ROCK RUSSELL 2000 GROWTH INDX GREAT GREY · EIN 38-4065329 / PN 000 | Common Collective Trust | — | — | $16K | 1.0% | |
| Cash | — | — | — | $16K | 1.0% | |
| Fidelity Advisory Mid Cap Value 1 Mutual Fund Fidelity Emerging Markets Index | Mutual Funds | — | — | $16K | 1.0% | |
| BlackRock Lifepath Index 2060 | Mutual Funds | — | — | $9K | 0.6% | |
| BlackRock Lifepath Index Retirement | Mutual Funds | — | — | $8K | 0.5% | |
| BlackRock Lifepath Index 2065 | Mutual Funds | — | — | $8K | 0.5% | |
| Franklin Small-Mid Cap Growth | Mutual Funds | — | — | $6K | 0.4% | |
| BlackRock Lifepath Index 2030 | Mutual Funds | — | — | $4K | 0.2% | |
| (1) X This form is filed for a CCT, PSA, or MTIA. | — | — | — | $3K | 0.2% | |
| performed pursuant to both 29 CFR 2520.103-8 and 29 CFR 2520.103-12(d). Check box (3) if pursuant to neither. | — | — | $3K | $3K | 0.2% | |
| Yes No Amount a | — | — | — | $3K | 0.2% | |
| INTERNATIONAL GROWTH FUND GREAT GREY · EIN 26-3783561 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |