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Original filing (PDF)20251015103748NAL0002256035001
LAC ACQUISITION, LLC
Form 5500
FILING_RECEIVED
VALUED EMPLOYEE RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 2
31% in single holdingNo recordkeeper disclosed
Active participants
1,697
Accounts w/ balance
422
Plan assets (EOY)
$18.2M
Net assets (EOY)
$18.2M
How this plan invests
This plan
2 pooled trusts
Schedule D
22 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
100
Concentration risk
85
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "American Funds 2055 Target Retirement Fund N/A" is 31% of plan.
- 50 bps in Schedule C fees — 74% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 25% 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 LAC ACQUISITION, LLC.
Plan sponsor
Name
LAC ACQUISITION, LLC
EIN
83-2007393
Address
1827 E IRELAND ROAD · SOUTH BEND, IN · 46614
Phone
(574) 406-1007
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
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
2J · 401(k) feature
2K · 401(m) arrangement
3H · Sponsor in controlled / affiliated group
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
RSM US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING, LLC | 43-1270780 | — | RETAINED BY CLIENT | $64K | — |
| JOHN HANCOCK RETIREMENT PLAN SRVCS | 01-0233346 | — | RETAINED BY CLIENT | $28K | — |
Investments
21 direct securities · 2 pooled funds· $18.3M(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
$17.9M
21 holdings
Common Collective Trust
$377K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2055 Target Retirement Fund N/A | — | — | — | $5.6M | 30.6% | |
| American Funds 2060 Target Retirement Fund N/A | — | — | — | $4.5M | 24.8% | |
| American Funds 2050 Target Retirement Fund N/A | — | — | — | $4.2M | 22.8% | |
| Fidelity US Bond Index Fund N/A 221 JP Morgan U.S. Government Money Market Fund N/A | — | — | — | $738K | 4.0% | |
| Fidelity 500 Index Fund N/A | — | — | — | $717K | 3.9% | |
| American Funds 2045 Target Retirement Fund N/A | — | — | — | $488K | 2.7% | |
| JP Morgan Equity Income Fund N/A | — | — | — | $315K | 1.7% | |
| COHEN & STEERS US REALTY RS PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 06-1050034 / PN 305 | Common Collective Trust | — | — | $297K | 1.6% | |
| American Funds 2035 Target Retirement Fund N/A | — | — | — | $254K | 1.4% | |
| Fidelity Mid Cap Index Fund N/A | — | — | — | $168K | 0.9% | |
| American Century Ultra Fund N/A | — | — | — | $156K | 0.9% | |
| Fidelity Sm Cap Index Fund N/A | — | — | — | $155K | 0.8% | |
| Vanguard Total Stock Market Index Fund N/A | — | — | — | $151K | 0.8% | |
| American Funds 2025 Target Retirement Fund N/A 438 American Funds 2030 Target Retirement Fund N/A | — | — | — | $133K | 0.7% | |
| American Funds 2040 Target Retirement Fund N/A | — | — | — | $104K | 0.6% | |
| Reliance Trust Co. MetLife Stable Value Fund N/A | — | — | — | $79K | 0.4% | |
| METLIFE SV SERIES 25053 CL 0 RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $79K | 0.4% | |
| Massachusetts Financial Services Mid Cap Growth Fund N/A | — | — | — | $76K | 0.4% | |
| Fidelity International Index Fund N/A | — | — | — | $59K | 0.3% | |
| American Funds 2010 Target Retirement Fund N/A | — | — | — | $42K | 0.2% | |
| Allspring Spc Small Cap Value N/A 613 American Century Small Cap Growth Fund N/A | — | — | — | $31K | 0.2% | |
| JP Morgan Core Plus Bond Fund N/A | — | — | — | $8K | <0.1% | |
| Massachusetts Financial Services Intl Diversification Fund N/A | — | — | — | $1K | <0.1% |
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