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Original filing (PDF)20251015090559NAL0002060243001
THE RETAIL GROUP, INC.
Form 5500
FILING_RECEIVED
THE RETAIL GROUP RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 1
~145 bps in Sched C fees
Active participants
640
Accounts w/ balance
127
Plan assets (EOY)
$1.0M
Net assets (EOY)
$1.0M
How this plan invests
This plan
4 pooled trusts
Schedule D
19 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 145 bps in Schedule C fees — 179% above peer band of 52 bps.
- Only 20% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE RETAIL GROUP, INC..
Plan sponsor
Name
THE RETAIL GROUP, INC.
EIN
66-0676884
Address
PO BOX 363048 · SAN JUAN, PR · 00936
Phone
(787) 622-9212
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
3C · Not intended to be qualified
Audit & trust (Schedule H)
Auditor
VICTOR MELENDEZ LOPEZ CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $7K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONEDIGITAL INVESTMENT ADVISORS LLC | — | DALLAS, TX | INVESTMENT ADVISOR | $5K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| A & A EMPLOYEE BENEFITYS CONSULTING | — | SAN JUAN, PR | CONTRACT ADMIN | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RESOURCES INVESTMENT ADVISORS LLC | — | OVERLAND PARK, KS | INVESTMENT MNGT | $2K | — |
Investments
19 direct securities · 4 pooled funds· $1.0M(100% 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
$1.0M
18 holdings
Uncategorized
$28K
1 holding
Common Collective Trust
$1
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| S STATE STREET TARGET RETIREMENT 2045 | Mutual Funds | — | — | $186K | 17.9% | |
| S STATE STREET TARGET RETIREMENT 2050 | Mutual Funds | — | — | $138K | 13.3% | |
| S FIDELITY 500 INDEX | Mutual Funds | — | — | $119K | 11.5% | |
| S PGIM JENNISON INTERNATIONAL OPPS | Mutual Funds | — | — | $97K | 9.3% | |
| S AMERICAN FUNDS BOND FUND OF AMERICA | Mutual Funds | — | — | $70K | 6.8% | |
| S FIDELITY ADVISOR GROWTH OPPS | Mutual Funds | — | — | $63K | 6.0% | |
| S AMERIAN FUNDS AMERICAN MUTUAL | Mutual Funds | — | — | $63K | 6.0% | |
| S PGIM STRATEGIC BOND | Mutual Funds | — | — | $52K | 5.0% | |
| S STATESTREET SMALLMID CAP EQUITY | Mutual Funds | — | — | $47K | 4.5% | |
| S STATE STREET TARGET RETIREMENT 2055 | Mutual Funds | — | — | $47K | 4.5% | |
| S STATE STREET TARGET RETIREMENT 2055 | Mutual Funds | — | — | $30K | 2.8% | |
| FIXED ANNUITIES EI FIXED ACCOUNT SERIES CLASS I | — | — | — | $28K | 2.7% | |
| S PGIM JENNISON EMERGING MARKETS EQ | Mutual Funds | — | — | $22K | 2.1% | |
| S INVESCO SMALL CAP EQUITY | Mutual Funds | — | — | $17K | 1.7% | |
| S STATE STREET TARGET RETIREMENT 2040 | Mutual Funds | — | — | $17K | 1.6% | |
| S ALLSPRING SPECIAL MID CAP VALUE | Mutual Funds | — | — | $13K | 1.3% | |
| S CLEARBRDGE SELECT IS | Mutual Funds | — | — | $11K | 1.1% | |
| S ROYCE SMALL-CAP OPP INSTL | Mutual Funds | — | — | $9K | 0.9% | |
| S LORD ABBETT DEVELOPING GROWTH | Mutual Funds | — | — | $9K | 0.9% | |
| AM! COREFIXEDINCOME CLASS I ALTA TRUST · EIN 83-2064950 / PN 001 | Common Collective Trust | — | — | $1 | <0.1% | |
| RESOURCES DIVERSIFIED EQUITY ALTA TRUST · EIN 83-2060613 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| AM! DOMESTIC EQUITY CLASS I ALTA TRUST · EIN 83-2080943 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| RESOURCES DIVERSIFIED RISK MITIGATI ALTA TRUST · EIN 83-2080943 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |