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Original filing (PDF)20251015051227NAL0008259266001
FIDUCIARY WISE, LLC
Form 5500
FILING_RECEIVED
SDM RETIREMENT PLAN
401(k) retirement plan
Signals · 2
31% in single holdingNo recordkeeper disclosed
Active participants
872
Accounts w/ balance
969
Plan assets (EOY)
$40.8M
Net assets (EOY)
$40.8M
How this plan invests
This plan
29 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
85
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Flex Focus Moderate Retirement Fund Mutual Fund" is 31% of plan.
- 71 bps in Schedule C fees — 147% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIDUCIARY WISE, LLC.
Plan sponsor
Name
FIDUCIARY WISE, LLC
EIN
81-3799174
Address
2487 S. GILBERT · SUITE 106-454 · GILBERT, AZ · 85295
Phone
(602) 975-0281
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2G · Total participant-directed accounts
2F · ERISA section 404(c)
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
METZ CPA, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LATITUDE SERVICE COMPANY, INC. | — | PLYMOUTH, IN | TPA | $218K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4177100 | — | SERVICE PROVIDER | $37K | — |
| FIDUCIARY WISE, LLC | — | GILBERT, AZ | SERVICE PROVIDER | $18K | — |
| COUNSEL TRUST COMPANY | — | YORK, PA | SERVICE PROVIDER | $14K | — |
| IFAM CAPITAL | — | FORT COLLINS, CO | SERVICE PROVIDER | $5K | — |
Investments
29 direct securities· $40.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Flex Focus Moderate Retirement Fund Mutual Fund | — | — | — | $12.6M | 31.0% | |
| Flex Focus Moderate 2045 Fund Mutual Fund | — | — | — | $5.7M | 14.0% | |
| Flex Focus Moderate 2035 Fund Mutual Fund | — | — | — | $5.7M | 13.9% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | — | $3.9M | 9.5% | |
| Fidelity Large Cap Growth Index Fund Mutual Fund | — | — | — | $2.6M | 6.3% | |
| Flex Focus Moderate 2055 Fund Mutual Fund | — | — | — | $1.8M | 4.3% | |
| Participant Loans Interest rates from 4.25% to 10.25% $0 | — | — | — | $988K | 2.4% | |
| Fidelity Total Market Index Fund Mutual Fund | — | — | — | $970K | 2.4% | |
| Fidelity Mid Cap Index Fund Mutual Fund | — | — | — | $916K | 2.2% | |
| Flex Focus Aggressive 2045 Fund Mutual Fund | — | — | — | $909K | 2.2% | |
| Fidelity Large Cap Value Index Fund Mutual Fund | — | — | — | $814K | 2.0% | |
| Fidelity Small Cap Index Fund Mutual Fund | — | — | — | $512K | 1.3% | |
| Flex Focus Aggressive 2055 Fund Mutual Fund | — | — | — | $450K | 1.1% | |
| Fidelity International Index Fund Mutual Fund | — | — | — | $435K | 1.1% | |
| Fidelity US Bond Index Fund Mutual Fund | — | — | — | $400K | 1.0% | |
| Nationwide Fixed Selection Option Guaranteed Investment Contract | — | — | — | $322K | 0.8% | |
| Flex Focus Aggressive Retirement Fund Mutual Fund | — | — | — | $316K | 0.8% | |
| Flex Focus Conservative 2045 Fund Mutual Fund | — | — | — | $267K | 0.7% | |
| Flex Focus Aggressive 2035 Fund Mutual Fund | — | — | — | $252K | 0.6% | |
| Flex Focus Aggressive 2065 Fund Mutual Fund | — | — | — | $204K | 0.5% | |
| Flex Focus Moderate 2065 Fund Mutual Fund | — | — | — | $163K | 0.4% | |
| Fidelity Emerging Market Index Fund Mutual Fund | — | — | — | $155K | 0.4% | |
| Flex Focus Conservative 2035 Fund Mutual Fund | — | — | — | $152K | 0.4% | |
| Flex Focus Conservative Retirement Fund Mutual Fund | — | — | — | $139K | 0.3% | |
| Self Directed Brokerage Account Self-Directed Brokerage Account | — | — | — | $120K | 0.3% | |
| Fidelity Inflation-Protected Bond Index Fund Mutual Fund | — | — | — | $61K | 0.1% | |
| Flex Focus Conservative 2055 Fund Mutual Fund | — | — | — | $17K | <0.1% | |
| Flex Focus Conservative 2065 Fund Mutual Fund | — | — | — | $7K | <0.1% | |
| Federated Hermes Government Obligations Fund Mutual Fund | — | — | — | $1K | <0.1% |