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Original filing (PDF)20251015161753NAL0006898208001
LABORATORIOS RAMIREZ LLC
Form 5500
FILING_RECEIVED
LABORATORIO TOLEDO AND LABORATORIOS RAMIREZ RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 2
35% in single holding~99 bps in Sched C fees
Active participants
144
Accounts w/ balance
152
Plan assets (EOY)
$1.7M
Net assets (EOY)
$1.7M
How this plan invests
This plan
14 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
83
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Key Guaranteed Portfolio Fund Fixed annuities" is 35% of plan.
- 99 bps in Schedule C fees — 90% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LABORATORIOS RAMIREZ LLC.
Plan sponsor
Name
LABORATORIOS RAMIREZ LLC
EIN
66-0309461
Address
—
Phone
(787) 840-9000
Industry
Health Care & Social Assistancesee 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
3C · Not intended to be qualified
Audit & trust (Schedule H)
Auditor
GALINDEZ LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS. CO. OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $16K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| KOVACK SECURITIES INC | — | FORT LAUDERDALE, FL | BROKER/ADVISOR | — | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FINANXIAL INVESTMENT ADVISOR CORP | — | SAN JUAN, PR | CONTRACT ADMIN | $884 | — |
Investments
14 direct securities· $1.7M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Key Guaranteed Portfolio Fund Fixed annuities | — | — | — | $572K | 34.4% | |
| BlackRock LifePath Index Retirement K Mutual Fund, 32718 shares | — | — | — | $450K | 27.1% | |
| BlackRock LifePath Index 2030 K Mutual Fund, 11,060 shares | — | — | — | $189K | 11.3% | |
| BlackRock LifePath Index 2040 K Mutual Fund, 5,696 shares | — | — | — | $116K | 7.0% | |
| Fidelity 500 Index Mutual Fund, 511 shares | — | — | — | $104K | 6.3% | |
| BlackRock LifePath Index 2050 K Mutual Fund, 2,187 shares | — | — | — | $51K | 3.1% | |
| BlackRock LifePath Index 2045 K Mutual Fund, 2,108 shares | — | — | — | $47K | 2.8% | |
| BlackRock LifePath Index 2055 K Mutual Fund, 1,913 shares | — | — | — | $46K | 2.8% | |
| BlackRock LifePath Index 2060 K Mutual Fund, 1,688 shares | — | — | — | $36K | 2.2% | |
| BlackRock LifePath Index 2035 K Mutual Fund, 1,219 shares | — | — | — | $23K | 1.4% | |
| BlackRock LifePath Index 2065 K Mutual Fund, 533 shares | — | — | — | $8K | 0.5% | |
| Fidelity Real Estate Index Mutual Fund, 7 shares ** 107 Fidelity Small Cap Value Index 1 Mutual Fund, 209 shares | — | — | — | $5K | 0.3% | |
| Fidelity Total International Index Mutual Fund, 9 shares ** 109 Lord Abbett Bond Debenture R6 Mutual Fund, 21 shares ** 144 State Street Small/Mid Cap Equity Idx K Mutual Fund, 15 shares | — | — | — | $4K | 0.3% | |
| Fidelity Large Cap Growth Index Mutual Fund, 15 shares ** 549 Fidelity Mid Cap Value Index 1FS Mutual Fund, 98 shares | — | — | — | $3K | 0.2% |
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