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Original filing (PDF)20260129151155NAL0006112416001
FREEDOM CARE LLC
Form 5500
FILING_RECEIVED
FREEDOM CARE 401(K) PLAN
401(k) retirement plan
Signals · 3
Late filing · 2.4 mo~207 bps in Sched C feesNo recordkeeper disclosed
Active participants
59,655
Accounts w/ balance
26,101
Plan assets (EOY)
$23.4M
Net assets (EOY)
$23.4M
How this plan invests
This plan
16 pooled trusts
Schedule D
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
81
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
90
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Filed 2.4 months past the 10.5-month grace window.
- 207 bps in Schedule C fees — 613% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 44% 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 FREEDOM CARE LLC.
Plan sponsor
Name
FREEDOM CARE LLC
EIN
81-0913242
Address
1979 MARCUS AVE C115 · NEW HYDE PARK, NY · 11042
Phone
(347) 318-8297
Industry
Health Care & Social Assistancesee all
Plan administrator
Name
SIDE BY SIDE FINANCIALS, INC.
EIN
27-3232902
City
DULUTH, GA
Phone
(212) 564-2464
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2026-01-29
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
FASTEN HALBERSTAM LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $485K | — |
| ORENDA RETIREMENT, LLC | 36-4877979 | — | CONTRACT ADMINISTRATOR | $0 | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NORTHWESTERN MUTUAL INVESTMENT SERV | 52-2114207 | — | OTHER SERVICES | $0 | — |
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
27 direct securities · 16 pooled funds· $25.3M(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.
Uncategorized
$22.6M
27 holdings
Pooled Separate Account
$2.8M
16 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab S&P 500 Index Fund Mutual Funds | — | — | — | $3.3M | 14.0% | |
| American Funds New World R6 Fund Mutual Funds | — | — | — | $2.6M | 11.3% | |
| Ishares Msci Eafe International Index K Fund Mutual Funds | — | — | — | $2.3M | 9.9% | |
| Principal Core Fixed Income Separate Account-Z Pooled Separate Accounts | — | — | — | $1.6M | 6.8% | |
| PRIN CORE FIX INC SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $1.6M | 6.8% | |
| American Funds New Perspective R6 Fund Mutual Funds | — | — | — | $1.4M | 6.2% | |
| Vanguard Small Cap Index Admiral Fund Mutual Funds | — | — | — | $1.4M | 6.0% | |
| Blackrock Inflation Protected Bond K Fund Mutual Funds | — | — | — | $1.4M | 5.8% | |
| American Funds Europacific Growth R6 Fund Mutual Funds | — | — | — | $1.3M | 5.4% | |
| Tiaa-Cref Large-Cap Value Index Institutional Fund Mutual Funds | — | — | — | $1.1M | 4.5% | |
| Vanguard Value Index Admiral Fund Mutual Funds | — | — | — | $1.0M | 4.4% | |
| Janus Henderson Balanced N Fund Mutual Funds | — | — | — | $793K | 3.4% | |
| Tiaa-Cref Real Estate Securities Institutional Fund Mutual Funds | — | — | — | $781K | 3.3% | |
| Calvert Us Large Cap Core Responsible Index R6 Fund Mutual Funds | — | — | — | $761K | 3.2% | |
| Hartford Strategic Income R6 Fund Mutual Funds | — | — | — | $635K | 2.7% | |
| Vanguard Growth Index Admiral Fund Mutual Funds | — | — | — | $455K | 1.9% | |
| Invesco Small Cap Value R6 Fund Mutual Funds | — | — | — | $408K | 1.7% | |
| Principal Guaranteed Option Guaranteed Investment Contract | — | — | — | $287K | 1.2% | |
| Vanguard Mid Cap Index Admiral Fund Mutual Funds | — | — | — | $276K | 1.2% | |
| PRIN LIFETIME 2055 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 114 | Pooled Separate Account | — | — | $270K | 1.2% | |
| Principal Lifetime 2070 Separate Account-Z Pooled Separate Accounts ** 89 * Principal Lifetime Strategic Income Separate Account-Z Pooled Separate Accounts | — | — | — | $214K | 0.9% | |
| PRIN LIFETIME STRAT INC SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 080 | Pooled Separate Account | — | — | $214K | 0.9% | |
| PRIN LIFETIME 2045 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 113 | Pooled Separate Account | — | — | $176K | 0.8% | |
| PRIN LIFETIME 2050 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 079 | Pooled Separate Account | — | — | $161K | 0.7% | |
| Fidelity Advisor High Income Advantage Z Fund Mutual Funds | — | — | — | $121K | 0.5% | |
| PRIN LIFETIME 2060 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 130 | Pooled Separate Account | — | — | $113K | 0.5% | |
| American Century Ultra R6 Fund Mutual Funds ** $ | — | — | — | $111K | 0.5% | |
| Vanguard Mid-Cap Growth Index Admiral Fund Mutual Funds | — | — | — | $94K | 0.4% | |
| Vanguard Mid-Cap Value Index Admiral Fund Mutual Funds | — | — | — | $78K | 0.3% | |
| PRIN LIFETIME 2040 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 078 | Pooled Separate Account | — | — | $59K | 0.3% | |
| PRIN LIFETIME 2035 SEP ACT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 112 | Pooled Separate Account | — | — | $51K | 0.2% | |
| Dfa Us Sustainability Core 1 Fund Mutual Funds | — | — | — | $49K | 0.2% | |
| (E) | — | — | — | $49K | 0.2% | |
| PRIN LIFETIME 2030 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 077 | Pooled Separate Account | — | — | $42K | 0.2% | |
| PRIN LIFETIME 2065 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 173 | Pooled Separate Account | — | — | $34K | 0.1% | |
| Principal Smallcap Growth I Separate Account-Z Pooled Separate Accounts | — | — | — | $15K | <0.1% | |
| PRIN SMCAP GROWTH I SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 070 | Pooled Separate Account | — | — | $15K | <0.1% | |
| PRIN LIFETIME 2025 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 111 | Pooled Separate Account | — | — | $14K | <0.1% | |
| Principal Diversified International Separate Account-Z Pooled Separate Accounts | — | — | — | $12K | <0.1% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $12K | <0.1% | |
| PRIN LIFETIME 2020 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 076 | Pooled Separate Account | — | — | $4K | <0.1% | |
| PRIN LIFETIME 2015 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 110 | Pooled Separate Account | — | — | $2K | <0.1% | |
| PRIN LIFETM 2070 SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 179 | Pooled Separate Account | — | — | $89 | <0.1% |