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Original filing (PDF)20250909120819NAL0020223537001
FUTURE RESEARCH, LLC
Form 5500
FILING_RECEIVED
FUTURE RESEARCH, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
36% in single holding~83 bps in Sched C fees
Active participants
132
Accounts w/ balance
182
Plan assets (EOY)
$4.0M
Net assets (EOY)
$4.0M
How this plan invests
This plan
27 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
82
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Fidelity Freedom Index 2055 Institutional Premium Mutual Fund" is 36% of plan.
- 83 bps in Schedule C fees — 61% above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FUTURE RESEARCH, LLC.
Plan sponsor
Name
FUTURE RESEARCH, LLC
EIN
82-1625702
Address
44 MONTGOMERY STREET · STE 3060 · SAN FRANCISCO, CA · 94104
Phone
(323) 601-8166
Industry
Other Services (ex. Public Admin)see 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
2025-09-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PENSION ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $34K | — |
Investments
27 direct securities· $4.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom Index 2055 Institutional Premium Mutual Fund | — | — | — | $1.4M | 36.0% | |
| Fidelity Freedom Index 2060 Institutional Premium Mutual Fund | — | — | — | $863K | 21.5% | |
| Fidelity Freedom Index 2050 Institutional Premium Mutual Fund | — | — | — | $380K | 9.5% | |
| Fidelity Freedom Index 2045 Institutional Premium Mutual Fund | — | — | — | $377K | 9.4% | |
| Fidelity 500 Index Mutual Fund | — | — | — | $359K | 8.9% | |
| Fidelity Total Market Index Mutual Fund | — | — | — | $136K | 3.4% | |
| Fidelity Large Cap Growth Index Mutual Fund | — | — | — | $102K | 2.5% | |
| Blackrock Sustainable Advantage Large Cap Core K Mutual Fund | — | — | — | $75K | 1.9% | |
| Fidelity Freedom Index 2035 Institutional Premium Mutual Fund ** 52 Fidelity Freedom Index 2040 Institutional Premium Mutual Fund | — | — | — | $67K | 1.7% | |
| Fidelity Freedom Index 2065 Institutional Premium Mutual Fund | — | — | — | $67K | 1.7% | |
| Fidelity Mid Cap Index Mutual Fund | — | — | — | $30K | 0.7% | |
| Fidelity Small Cap Index Mutual Fund | — | — | — | $24K | 0.6% | |
| Fidelity International Index Mutual Fund | — | — | — | $20K | 0.5% | |
| Putnam Large Cap Value R6 Mutual Fund | — | — | — | $17K | 0.4% | |
| Fidelity Real Estate Index Mutual Fund | — | — | — | $12K | 0.3% | |
| Participant Loans to participants bearing interest from 8.75% to 9.50% | — | — | — | $11K | 0.3% | |
| JPMorgan International Equity R6 Mutual Fund | — | — | — | $4K | 0.1% | |
| Fidelity US Bond Index Mutual Fund | — | — | — | $4K | 0.1% | |
| American Funds Inflation Linked BD R6 Mutual Fund | — | — | — | $4K | 0.1% | |
| American Funds Bond Fund of America R6 Mutual Fund | — | — | — | $4K | <0.1% | |
| Blackrock Mid-Cap Growth Equity K Mutual Fund | — | — | — | $3K | <0.1% | |
| EI Fixed Account - Series Class VI Fully Benefit-Responsive Investment Contract | — | — | — | $3K | <0.1% | |
| Fidelity Freedom Index Income Fund - Institutional Premium Class Mutual Fund | — | — | — | $2K | <0.1% | |
| American Funds New World R6 Mutual Fund | — | — | — | $2K | <0.1% | |
| American Century Small Cap Value R6 Mutual Fund | — | — | — | $1K | <0.1% | |
| DFA U.S. Small Cap Growth Portfolio Institutional Class Mutual Fund | — | — | — | $1K | <0.1% | |
| MFS Mid Cap Value R6 Mutual Fund | — | — | — | $1K | <0.1% |
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