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Original filing (PDF)20251009150249NAL0011206240001
INDIVIDUAL MANAGEMENT C CONSULTANT INC.
Form 5500
FILING_RECEIVED
INDIVIDUAL MANAGEMENT CONSULTANT INC. RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~151 bps in Sched C fees
Active participants
449
Accounts w/ balance
463
Plan assets (EOY)
$2.6M
Net assets (EOY)
$2.6M
How this plan invests
This plan
23 pooled trusts
Schedule D
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 151 bps in Schedule C fees — 191% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for INDIVIDUAL MANAGEMENT C CONSULTANT INC..
Plan sponsor
Name
INDIVIDUAL MANAGEMENT C CONSULTANT INC.
EIN
66-0674009
Address
PO BOX 330150 · PONCE, PR · 00730
Phone
(787) 848-0529
Industry
All Other Professional Services· Professional & Technical Servicessee 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
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
3C · Not intended to be qualified
Audit & trust (Schedule H)
Auditor
OJEDA CPA GROUP PSC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY F | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $30K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ORIENTAL BANK & TRUST | — | SAN JUAN, PR | TRUSTEE | $3K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OJEDA CPA GROUP PSC | — | PONCE, PR | AUDITOR | $6K | — |
Investments
7 direct securities · 23 pooled funds· $2.6M(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.
Pooled Separate Account
$2.3M
23 holdings
Uncategorized
$209K
2 holdings
Mutual Funds
$75K
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MASSMUTUAL RETIRESMART BY JPM 2045 EMPOWER ANNUITY INSURANCE COMPANY · EIN 90-0342299 / PN 000 | Pooled Separate Account | — | — | $392K | 15.4% | |
| MASSMUTUAL RETIRESMART BY JPM 2040 EMPOWER ANNUITY INSURANCE COMPANY · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $377K | 14.8% | |
| MASSMUTUAL RETIRESMART BY JPM 2050 EMPOWER ANNUITY INSURANCE COMPANY · EIN 90-0342299 / PN 000 | Pooled Separate Account | — | — | $370K | 14.5% | |
| MASSMUTUAL RETIRESMART BY JPM 2055 EMPOWER ANNUITY INSURANCE COMPANY · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $352K | 13.8% | |
| MASSMUTUAL RETIRESMART BY JPM 2035 EMPOWER ANNUITY INSURANCE COMPANY · EIN 90-0342299 / PN 000 | Pooled Separate Account | — | — | $272K | 10.6% | |
| MASSMUTUAL RETIRESMART BY JPM 2030 MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $253K | 9.9% | |
| Participant Loans Participant Loans | — | — | — | $147K | 5.8% | |
| MASSMUTUAL RETIRESMART BY JPM 2025 MASSMUTUAL · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $141K | 5.5% | |
| MASSMUTUAL RETIRESMART BY JPM 2020 EMPOWER ANNUITY INSURANCE COMPANY · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $75K | 2.9% | |
| Money Market Fund Guaranteed | — | — | — | $62K | 2.4% | |
| Select Strategic Bond | Mutual Funds | — | — | $38K | 1.5% | |
| MASSMUTUAL CORE BOND ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $38K | 1.5% | |
| MM Retire Smart Int Ret Adm | Mutual Funds | — | — | $22K | 0.9% | |
| MM S&P 500 INDEX ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $13K | 0.5% | |
| MASSMUTUAL RETIRESMART BY JPM IN RE EMPOWER ANNUITY INSURANCE COMPANY · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $11K | 0.4% | |
| MASSMUTUAL RETIRESMART BY JPM IN RE EMPOWER ANNUITY INSURANCE COMPANY · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $10K | 0.4% | |
| MASSMUTUAL BLUE CHIP GROWTH ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $9K | 0.4% | |
| Select Equity Opps | Mutual Funds | — | — | $8K | 0.3% | |
| MASSMUTUAL EQUITY OPPORTS ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $8K | 0.3% | |
| Select Fundamental Val | Mutual Funds | — | — | $5K | 0.2% | |
| MASSMUTUAL DIVERSIFIED VALUE ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $5K | 0.2% | |
| MASSMUTUAL SMALL CAP OPPS ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $5K | 0.2% | |
| FRANKLIN SMALL CAP VALUE ADV FRANKLIN TEMPLETON INVESTMENTS · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $4K | 0.1% | |
| INVESCO REAL ESTATE Y INVESCO · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| Selected Small Cap Growth Eq 967 Mutual Fund Premier International Equity Adm 936 Mutual Fund Premier Start Emrg Mkts Adm | Mutual Funds | — | — | $2K | <0.1% | |
| MASSMUTUAL STRAT EMERG MKTS ADM MASSMUTUAL · EIN 90-0779283 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| MASSMUTUAL SMALL CAP GR EQ ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $967 | <0.1% | |
| MASSMUTUAL INTERNATIONAL EQ ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $936 | <0.1% | |
| MASSMUTUAL MID CAP GROWTH ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $781 | <0.1% | |
| MASSMUTUAL MID CAP VALUE ADM MASSMUTUAL · EIN 04-1590850 / PN 000 | Pooled Separate Account | — | — | $775 | <0.1% |