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Original filing (PDF)20251010135720NAL0013248608001
MOSAIC GROUP, LLC
Form 5500
FILING_RECEIVED
MOSAIC GROUP, LLC 401(K) PLAN
401(k) retirement plan
Signals · 3
30% in single holding~102 bps in Sched C feesNo recordkeeper disclosed
Active participants
382
Accounts w/ balance
192
Plan assets (EOY)
$3.9M
Net assets (EOY)
$3.9M
How this plan invests
This plan
19 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
83
/ 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
100
Concentration risk
85
Total plan cost
65
Vendor stack
80
Participation health
80
Knocking points off
- Top holding "Vanguard Vanguard Target Retirement 2055 Inv" is 30% of plan.
- 102 bps in Schedule C fees — 97% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 50% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MOSAIC GROUP, LLC.
Plan sponsor
Name
MOSAIC GROUP, LLC
EIN
81-1918765
Address
2810 COLISEUM CENTRE DRIVE, · SUITE 520 · CHARLOTTE, NC · 28217
Phone
(980) 785-1113
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
2025-10-10
Pension benefit codes
2A · Age/service weighted or new comparability
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)
Audit & trust (Schedule H)
Auditor
CHERRY BEKAERT LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $25K | — |
| GALLAGHER FIDUCIARY ADVISORS, LLC | 36-4291971 | — | NONE | $15K | — |
Investments
19 direct securities· $3.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2055 Inv | — | — | — | $1.2M | 30.3% | |
| Vanguard Target Retirement 2060 Inv | — | — | — | $753K | 19.1% | |
| Fidelity 500 Index Fund | — | — | — | $661K | 16.8% | |
| Vanguard Target Retirement 2050 Inv | — | — | — | $240K | 6.1% | |
| Vanguard Star Inv | — | — | — | $195K | 5.0% | |
| Vanguard Target Retirement 2045 Inv | — | — | — | $189K | 4.8% | |
| Vanguard Target Retirement 2065 Fund Investor Shares | — | — | — | $110K | 2.8% | |
| Vanguard Target Retirement 2025 Inv 150 Vanguard Target Retirement 2030 Inv | — | — | — | $108K | 2.8% | |
| Vanguard Target Retirement 2040 Inv | — | — | — | $95K | 2.4% | |
| MFS Massachusetts Investors GR Stk R5 | — | — | — | $76K | 1.9% | |
| JP Morgan JP Morgan Mid Cap Growth R6 | — | — | — | $72K | 1.8% | |
| Black Rock Blackrock Midcap Index Fund Class K | — | — | — | $62K | 1.6% | |
| Vanguard Target Retirement 2035 Inv | — | — | — | $51K | 1.3% | |
| Vanguard Small Cap Index Adm | — | — | — | $32K | 0.8% | |
| American Funds American Funds New World R6 | — | — | — | $30K | 0.8% | |
| Insurance Contract * The Standard Ins Co Stable Asset Fund D | — | — | — | $27K | 0.7% | |
| Fidelity Advisor Total BD Z 240 JP Morgan Goldman Sachs GQG Partners Intl Opp Fd R6 | — | — | — | $17K | 0.4% | |
| Vanguard Target Retirement Income Inv | — | — | — | $15K | 0.4% | |
| Neuberger Berman Neuberger Berman Large Cp Vl R6 | — | — | — | $6K | 0.2% |
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